Home > Blue Grass Savings Bank > Performance and Condition Ratios
Blue Grass Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 3,918 |
| Cost of funding earning assets | 1.5907% | 1,714 |
| Net interest margin | 2.4388% | 4,152 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.3969% | 4,393 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.7679% | 2,985 |
| Return on assets (ROA) | 0.5668% | 3,510 |
| Pretax return on assets | 0.6921% | 3,456 |
| Return on Equity (ROE) | 5.4700% | 3,630 |
| Retained earnings to average equity (ytd only) | 2.4550% | 3,459 |
| Net charge-offs to loans | 0.0233% | 1,852 |
| Credit loss provision to net charge-offs | 480.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 88.2800% | 966 |
| Efficiency ratio | 58.4916% | 3,247 |
| Assets per employee ($millions) | 12.3321% | 379 |
| Cash dividends to net income (ytd only)* | 55.1506% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2500% | 262 |
| Loan loss allowance to noncurrent loans | 264.8387% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 1,324 |
| Noncurrent loans to loans | 0.8496% | 900 |
| Net loans and leases to total assets | 48.2100% | 3,717 |
| Net loans and leases to deposits | 57.2896% | 3,659 |
| Net loans and leases to core deposits | 63.5262% | 3,610 |
| Total domestic deposits to total assets | 84.1400% | 2,584 |
| Equity capital to assets | 11.0984% | 1,431 |
| Core capital (leverage) ratio | 12.8714% | 1,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6820% | 347 |
| Memoranda: | ||
| Average total assets | $222,641,400 | 2,833 |
| Average earning assets | $205,755,400 | 2,822 |
| Average equity | $23,054,600 | 2,625 |
| Average total loans | $107,304,200 | 3,102 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,945 |
| Cost of funding earning assets | 1.4862% | 1,651 |
| Net interest margin | 2.4477% | 4,190 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 1.2920% | 4,452 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.8229% | 2,953 |
| Return on assets (ROA) | 0.6241% | 3,481 |
| Pretax return on assets | 0.7696% | 3,400 |
| Return on Equity (ROE) | 6.1400% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.3484% | 3,170 |
| Net charge-offs to loans | 0.0300% | 1,479 |
| Credit loss provision to net charge-offs | 375.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 74.4167% | 1,085 |
| Efficiency ratio | 54.7275% | 3,522 |
| Assets per employee ($millions) | 12.2889% | 347 |
| Cash dividends to net income (ytd only)* | 29.1467% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2603% | 270 |
| Loan loss allowance to noncurrent loans | 325.4011% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 1,676 |
| Noncurrent loans to loans | 0.6946% | 1,186 |
| Net loans and leases to total assets | 47.5800% | 3,760 |
| Net loans and leases to deposits | 55.7475% | 3,726 |
| Net loans and leases to core deposits | 61.3046% | 3,640 |
| Total domestic deposits to total assets | 85.3500% | 2,400 |
| Equity capital to assets | 10.0804% | 1,784 |
| Core capital (leverage) ratio | 13.0216% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6443% | 360 |
| Memoranda: | ||
| Average total assets | $222,807,500 | 2,842 |
| Average earning assets | $205,357,000 | 2,839 |
| Average equity | $22,659,250 | 2,639 |
| Average total loans | $106,763,000 | 3,107 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,020 |
| Cost of funding earning assets | 1.3663% | 1,537 |
| Net interest margin | 2.4316% | 4,278 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.2358% | 4,507 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.8047% | 3,066 |
| Return on assets (ROA) | 0.5588% | 3,687 |
| Pretax return on assets | 0.6886% | 3,625 |
| Return on Equity (ROE) | 5.4800% | 3,808 |
| Retained earnings to average equity (ytd only) | 3.7051% | 3,284 |
| Net charge-offs to loans | 0.0864% | 748 |
| Credit loss provision to net charge-offs | 130.4348% | 1,287 |
| Earnings coverage of net charge-offs (x) | 25.3913% | 1,628 |
| Efficiency ratio | 54.1601% | 3,595 |
| Assets per employee ($millions) | 12.4453% | 338 |
| Cash dividends to net income (ytd only)* | 32.3718% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 284 |
| Loan loss allowance to noncurrent loans | 345.3623% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 1,686 |
| Noncurrent loans to loans | 0.6509% | 1,148 |
| Net loans and leases to total assets | 46.2600% | 3,784 |
| Net loans and leases to deposits | 54.4382% | 3,725 |
| Net loans and leases to core deposits | 59.7012% | 3,650 |
| Total domestic deposits to total assets | 84.9700% | 2,546 |
| Equity capital to assets | 10.1864% | 1,754 |
| Core capital (leverage) ratio | 13.0567% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3287% | 373 |
| Memoranda: | ||
| Average total assets | $223,343,000 | 2,846 |
| Average earning assets | $205,957,667 | 2,853 |
| Average equity | $22,779,667 | 2,639 |
| Average total loans | $106,456,333 | 3,102 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 4,072 |
| Cost of funding earning assets | 1.1852% | 1,490 |
| Net interest margin | 2.4870% | 4,318 |
| Noninterest income to average assets | -0.1800% | 4,669 |
| Noninterest expense to average assets | 1.0403% | 4,619 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.8520% | 3,014 |
| Return on assets (ROA) | 0.4143% | 4,008 |
| Pretax return on assets | 0.4986% | 3,994 |
| Return on Equity (ROE) | 4.0600% | 4,031 |
| Retained earnings to average equity (ytd only) | 2.2836% | 3,653 |
| Net charge-offs to loans | 0.3787% | 213 |
| Credit loss provision to net charge-offs | 29.7030% | 1,355 |
| Earnings coverage of net charge-offs (x) | 5.9604% | 1,796 |
| Efficiency ratio | 49.0694% | 4,019 |
| Assets per employee ($millions) | 12.3173% | 362 |
| Cash dividends to net income (ytd only)* | 43.7229% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1334% | 357 |
| Loan loss allowance to noncurrent loans | 329.5552% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 1,596 |
| Noncurrent loans to loans | 0.6474% | 1,165 |
| Net loans and leases to total assets | 47.5300% | 3,662 |
| Net loans and leases to deposits | 56.1997% | 3,561 |
| Net loans and leases to core deposits | 60.8606% | 3,501 |
| Total domestic deposits to total assets | 84.5700% | 2,958 |
| Equity capital to assets | 10.5745% | 1,530 |
| Core capital (leverage) ratio | 12.9470% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7907% | 398 |
| Memoranda: | ||
| Average total assets | $223,018,000 | 2,886 |
| Average earning assets | $205,869,000 | 2,894 |
| Average equity | $22,771,000 | 2,662 |
| Average total loans | $106,682,500 | 3,128 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2573% | 3,693 |
| Cost of funding earning assets | 0.7502% | 473 |
| Net interest margin | 2.5072% | 4,284 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.3794% | 4,522 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.8947% | 2,985 |
| Return on assets (ROA) | 0.7936% | 3,283 |
| Pretax return on assets | 0.9850% | 3,117 |
| Return on Equity (ROE) | 7.5500% | 3,506 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,859 |
| Net charge-offs to loans | -0.0967% | 4,515 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.2533% | 3,776 |
| Assets per employee ($millions) | 11.8065% | 411 |
| Cash dividends to net income (ytd only)* | 27.9239% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2404% | 293 |
| Loan loss allowance to noncurrent loans | 293.7965% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,422 |
| Noncurrent loans to loans | 0.7626% | 983 |
| Net loans and leases to total assets | 46.0600% | 3,796 |
| Net loans and leases to deposits | 53.0396% | 3,734 |
| Net loans and leases to core deposits | 56.9456% | 3,679 |
| Total domestic deposits to total assets | 86.8500% | 2,443 |
| Equity capital to assets | 9.8505% | 1,788 |
| Core capital (leverage) ratio | 12.6332% | 1,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6589% | 384 |
| Memoranda: | ||
| Average total assets | $225,173,400 | 2,873 |
| Average earning assets | $207,285,600 | 2,880 |
| Average equity | $23,677,200 | 2,657 |
| Average total loans | $102,406,200 | 3,118 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1641% | 3,525 |
| Cost of funding earning assets | 0.6805% | 294 |
| Net interest margin | 2.4836% | 4,222 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.2748% | 4,594 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9506% | 2,668 |
| Return on assets (ROA) | 0.8678% | 2,982 |
| Pretax return on assets | 1.0867% | 2,763 |
| Return on Equity (ROE) | 8.1300% | 3,287 |
| Retained earnings to average equity (ytd only) | 6.4416% | 2,579 |
| Net charge-offs to loans | -0.1313% | 4,556 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.6225% | 4,119 |
| Assets per employee ($millions) | 12.2683% | 356 |
| Cash dividends to net income (ytd only)* | 20.7226% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2813% | 302 |
| Loan loss allowance to noncurrent loans | 285.2439% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 1,458 |
| Noncurrent loans to loans | 0.7998% | 1,003 |
| Net loans and leases to total assets | 45.3700% | 3,801 |
| Net loans and leases to deposits | 52.6886% | 3,688 |
| Net loans and leases to core deposits | 55.6719% | 3,645 |
| Total domestic deposits to total assets | 86.1100% | 3,041 |
| Equity capital to assets | 9.5313% | 1,864 |
| Core capital (leverage) ratio | 12.6288% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9348% | 381 |
| Memoranda: | ||
| Average total assets | $225,385,750 | 2,888 |
| Average earning assets | $207,490,750 | 2,899 |
| Average equity | $24,072,250 | 2,682 |
| Average total loans | $101,583,500 | 3,134 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0715% | 3,375 |
| Cost of funding earning assets | 0.6766% | 180 |
| Net interest margin | 2.3949% | 4,233 |
| Noninterest income to average assets | 0.2336% | 3,781 |
| Noninterest expense to average assets | 1.1996% | 4,647 |
| Loan and lease loss provision to assets | 0.0529% | 1,630 |
| Net operating income to assets | 0.9455% | 2,381 |
| Return on assets (ROA) | 0.9114% | 2,501 |
| Pretax return on assets | 1.1467% | 2,249 |
| Return on Equity (ROE) | 8.2455% | 2,955 |
| Retained earnings to average equity (ytd only) | 6.6347% | 2,122 |
| Net charge-offs to loans | -0.0829% | 4,393 |
| Credit loss provision to net charge-offs | -142.8571% | 3,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1158% | 4,305 |
| Assets per employee ($millions) | 11.9181% | 390 |
| Cash dividends to net income (ytd only)* | 19.5358% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2432% | 352 |
| Loan loss allowance to noncurrent loans | 270.6731% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 1,527 |
| Noncurrent loans to loans | 0.8287% | 1,032 |
| Net loans and leases to total assets | 43.3405% | 3,881 |
| Net loans and leases to deposits | 50.2290% | 3,801 |
| Net loans and leases to core deposits | 53.0701% | 3,752 |
| Total domestic deposits to total assets | 86.2858% | 3,173 |
| Equity capital to assets | 10.0678% | 1,678 |
| Core capital (leverage) ratio | 12.4784% | 978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3885% | 347 |
| Memoranda: | ||
| Average total assets | $226,904,333 | 2,904 |
| Average earning assets | $209,276,667 | 2,923 |
| Average equity | $25,080,333 | 2,679 |
| Average total loans | $101,268,000 | 3,166 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0218% | 3,189 |
| Cost of funding earning assets | 0.6927% | 157 |
| Net interest margin | 2.3291% | 4,187 |
| Noninterest income to average assets | -0.0546% | 4,777 |
| Noninterest expense to average assets | 1.1922% | 4,668 |
| Loan and lease loss provision to assets | 0.0528% | 1,435 |
| Net operating income to assets | 0.6868% | 3,105 |
| Return on assets (ROA) | 0.6868% | 3,095 |
| Pretax return on assets | 0.8559% | 2,922 |
| Return on Equity (ROE) | 5.9493% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.4086% | 2,800 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7477% | 3,815 |
| Assets per employee ($millions) | 10.7049% | 555 |
| Cash dividends to net income (ytd only)* | 25.8974% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1959% | 442 |
| Loan loss allowance to noncurrent loans | 258.4816% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 1,609 |
| Noncurrent loans to loans | 0.8495% | 1,102 |
| Net loans and leases to total assets | 43.1727% | 3,804 |
| Net loans and leases to deposits | 50.5634% | 3,689 |
| Net loans and leases to core deposits | 53.5858% | 3,625 |
| Total domestic deposits to total assets | 85.3831% | 3,446 |
| Equity capital to assets | 10.9296% | 1,366 |
| Core capital (leverage) ratio | 12.3839% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9025% | 301 |
| Memoranda: | ||
| Average total assets | $227,134,500 | 2,917 |
| Average earning assets | $210,205,500 | 2,927 |
| Average equity | $26,221,500 | 2,706 |
| Average total loans | $101,705,000 | 3,161 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 3,080 |
| Cost of funding earning assets | 0.8247% | 180 |
| Net interest margin | 2.5167% | 4,169 |
| Noninterest income to average assets | 0.2100% | 4,115 |
| Noninterest expense to average assets | 1.3573% | 4,650 |
| Loan and lease loss provision to assets | 0.0533% | 1,989 |
| Net operating income to assets | 0.8991% | 3,050 |
| Return on assets (ROA) | 0.9026% | 3,100 |
| Pretax return on assets | 1.1317% | 2,879 |
| Return on Equity (ROE) | 6.5855% | 3,628 |
| Retained earnings to average equity (ytd only) | -7.0325% | 4,735 |
| Net charge-offs to loans | -0.0972% | 4,575 |
| Credit loss provision to net charge-offs | -116.5049% | 3,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4815% | 3,986 |
| Assets per employee ($millions) | 12.0772% | 388 |
| Cash dividends to net income (ytd only)* | 206.7880% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 558 |
| Loan loss allowance to noncurrent loans | 251.4620% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 1,733 |
| Noncurrent loans to loans | 0.8207% | 1,243 |
| Net loans and leases to total assets | 44.4630% | 3,803 |
| Net loans and leases to deposits | 52.7991% | 3,681 |
| Net loans and leases to core deposits | 56.1735% | 3,605 |
| Total domestic deposits to total assets | 84.2117% | 3,503 |
| Equity capital to assets | 12.1468% | 1,192 |
| Core capital (leverage) ratio | 12.1879% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8549% | 408 |
| Memoranda: | ||
| Average total assets | $225,229,400 | 2,868 |
| Average earning assets | $208,325,000 | 2,892 |
| Average equity | $30,871,000 | 2,482 |
| Average total loans | $105,956,200 | 3,127 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4297% | 3,013 |
| Cost of funding earning assets | 0.8495% | 195 |
| Net interest margin | 2.5801% | 4,161 |
| Noninterest income to average assets | 0.2040% | 4,179 |
| Noninterest expense to average assets | 1.2520% | 4,776 |
| Loan and lease loss provision to assets | 0.0535% | 1,912 |
| Net operating income to assets | 1.0178% | 2,842 |
| Return on assets (ROA) | 1.0230% | 2,891 |
| Pretax return on assets | 1.2912% | 2,644 |
| Return on Equity (ROE) | 7.2525% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.9749% | 2,830 |
| Net charge-offs to loans | -0.1253% | 4,684 |
| Credit loss provision to net charge-offs | -90.0000% | 3,215 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3352% | 4,341 |
| Assets per employee ($millions) | 11.4532% | 433 |
| Cash dividends to net income (ytd only)* | 17.6163% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 612 |
| Loan loss allowance to noncurrent loans | 243.4983% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 1,927 |
| Noncurrent loans to loans | 0.8291% | 1,378 |
| Net loans and leases to total assets | 44.8348% | 3,880 |
| Net loans and leases to deposits | 54.9127% | 3,662 |
| Net loans and leases to core deposits | 58.6150% | 3,577 |
| Total domestic deposits to total assets | 81.6474% | 3,989 |
| Equity capital to assets | 14.0258% | 736 |
| Core capital (leverage) ratio | 13.9969% | 641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3416% | 324 |
| Memoranda: | ||
| Average total assets | $224,170,000 | 2,914 |
| Average earning assets | $207,323,250 | 2,924 |
| Average equity | $31,620,500 | 2,473 |
| Average total loans | $106,400,750 | 3,162 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1651% | 3,737 |
| Cost of funding earning assets | 0.8734% | 205 |
| Net interest margin | 2.2917% | 4,526 |
| Noninterest income to average assets | 0.5903% | 2,265 |
| Noninterest expense to average assets | 0.9811% | 4,874 |
| Loan and lease loss provision to assets | 0.0539% | 1,959 |
| Net operating income to assets | 1.3120% | 1,828 |
| Return on assets (ROA) | 1.3198% | 1,869 |
| Pretax return on assets | 1.6845% | 1,519 |
| Return on Equity (ROE) | 9.2673% | 3,022 |
| Retained earnings to average equity (ytd only) | 7.9929% | 2,073 |
| Net charge-offs to loans | -0.1869% | 4,785 |
| Credit loss provision to net charge-offs | -60.0000% | 3,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.2069% | 4,836 |
| Assets per employee ($millions) | 11.2872% | 428 |
| Cash dividends to net income (ytd only)* | 13.7509% | 2,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9340% | 692 |
| Loan loss allowance to noncurrent loans | 235.1747% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,031 |
| Noncurrent loans to loans | 0.8224% | 1,494 |
| Net loans and leases to total assets | 46.8553% | 3,839 |
| Net loans and leases to deposits | 57.4922% | 3,598 |
| Net loans and leases to core deposits | 61.7357% | 3,489 |
| Total domestic deposits to total assets | 81.4985% | 4,014 |
| Equity capital to assets | 14.2360% | 666 |
| Core capital (leverage) ratio | 14.0746% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1337% | 297 |
| Memoranda: | ||
| Average total assets | $222,616,333 | 2,919 |
| Average earning assets | $205,869,333 | 2,934 |
| Average equity | $31,703,000 | 2,463 |
| Average total loans | $107,022,333 | 3,166 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 3,673 |
| Cost of funding earning assets | 0.9074% | 214 |
| Net interest margin | 2.3000% | 4,521 |
| Noninterest income to average assets | 0.6677% | 1,965 |
| Noninterest expense to average assets | 0.7763% | 4,941 |
| Loan and lease loss provision to assets | 0.0543% | 2,024 |
| Net operating income to assets | 1.5350% | 1,252 |
| Return on assets (ROA) | 1.5508% | 1,282 |
| Pretax return on assets | 1.9760% | 984 |
| Return on Equity (ROE) | 10.8874% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.6043% | 1,765 |
| Net charge-offs to loans | -0.3752% | 4,873 |
| Credit loss provision to net charge-offs | -30.0000% | 2,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8571% | 4,928 |
| Assets per employee ($millions) | 11.1405% | 435 |
| Cash dividends to net income (ytd only)* | 11.7853% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 644 |
| Loan loss allowance to noncurrent loans | 229.8324% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,199 |
| Noncurrent loans to loans | 0.8538% | 1,573 |
| Net loans and leases to total assets | 46.1265% | 3,950 |
| Net loans and leases to deposits | 56.5861% | 3,753 |
| Net loans and leases to core deposits | 60.4489% | 3,672 |
| Total domestic deposits to total assets | 81.5156% | 3,984 |
| Equity capital to assets | 14.0982% | 652 |
| Core capital (leverage) ratio | 14.1019% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9216% | 325 |
| Memoranda: | ||
| Average total assets | $221,052,500 | 2,918 |
| Average earning assets | $203,650,000 | 2,942 |
| Average equity | $31,486,000 | 2,467 |
| Average total loans | $106,604,000 | 3,177 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 3,631 |
| Cost of funding earning assets | 1.1359% | 351 |
| Net interest margin | 2.5427% | 4,549 |
| Noninterest income to average assets | 0.2521% | 3,975 |
| Noninterest expense to average assets | 1.2609% | 4,882 |
| Loan and lease loss provision to assets | 0.1845% | 2,108 |
| Net operating income to assets | 0.9270% | 2,579 |
| Return on assets (ROA) | 0.9298% | 2,710 |
| Pretax return on assets | 1.1531% | 2,505 |
| Return on Equity (ROE) | 6.1732% | 3,525 |
| Retained earnings to average equity (ytd only) | 0.6969% | 4,318 |
| Net charge-offs to loans | 0.9416% | 143 |
| Credit loss provision to net charge-offs | 36.8774% | 3,198 |
| Earnings coverage of net charge-offs (x) | 2.6667% | 3,144 |
| Efficiency ratio | 48.5873% | 4,606 |
| Assets per employee ($millions) | 10.9648% | 402 |
| Cash dividends to net income (ytd only)* | 88.7113% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 887 |
| Loan loss allowance to noncurrent loans | 212.2247% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 2,341 |
| Noncurrent loans to loans | 0.8378% | 1,672 |
| Net loans and leases to total assets | 48.5417% | 3,937 |
| Net loans and leases to deposits | 59.8313% | 3,776 |
| Net loans and leases to core deposits | 64.1597% | 3,679 |
| Total domestic deposits to total assets | 81.1310% | 3,845 |
| Equity capital to assets | 14.3915% | 704 |
| Core capital (leverage) ratio | 14.0637% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6993% | 327 |
| Memoranda: | ||
| Average total assets | $208,654,400 | 2,874 |
| Average earning assets | $192,273,400 | 2,891 |
| Average equity | $31,426,000 | 2,412 |
| Average total loans | $110,875,200 | 3,088 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7581% | 3,667 |
| Cost of funding earning assets | 1.1816% | 397 |
| Net interest margin | 2.5765% | 4,592 |
| Noninterest income to average assets | 0.2576% | 3,941 |
| Noninterest expense to average assets | 1.2110% | 4,937 |
| Loan and lease loss provision to assets | 0.2199% | 1,828 |
| Net operating income to assets | 0.9682% | 2,459 |
| Return on assets (ROA) | 0.9676% | 2,591 |
| Pretax return on assets | 1.2039% | 2,376 |
| Return on Equity (ROE) | 6.3496% | 3,430 |
| Retained earnings to average equity (ytd only) | 5.1094% | 2,512 |
| Net charge-offs to loans | 0.5070% | 293 |
| Credit loss provision to net charge-offs | 80.1887% | 2,758 |
| Earnings coverage of net charge-offs (x) | 5.1910% | 2,757 |
| Efficiency ratio | 45.9479% | 4,713 |
| Assets per employee ($millions) | 9.5241% | 592 |
| Cash dividends to net income (ytd only)* | 19.5318% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2579% | 313 |
| Loan loss allowance to noncurrent loans | 146.5457% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.8152% | 1,412 |
| Noncurrent loans to loans | 1.5407% | 919 |
| Net loans and leases to total assets | 51.7126% | 3,983 |
| Net loans and leases to deposits | 64.5007% | 3,758 |
| Net loans and leases to core deposits | 69.2535% | 3,680 |
| Total domestic deposits to total assets | 80.1738% | 3,825 |
| Equity capital to assets | 15.5104% | 540 |
| Core capital (leverage) ratio | 14.9467% | 551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3167% | 324 |
| Memoranda: | ||
| Average total assets | $205,994,000 | 2,874 |
| Average earning assets | $190,125,000 | 2,894 |
| Average equity | $31,392,500 | 2,404 |
| Average total loans | $111,499,750 | 3,088 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 3,823 |
| Cost of funding earning assets | 1.2268% | 466 |
| Net interest margin | 2.5882% | 4,666 |
| Noninterest income to average assets | 0.3427% | 3,418 |
| Noninterest expense to average assets | 1.3700% | 4,914 |
| Loan and lease loss provision to assets | 0.1855% | 2,166 |
| Net operating income to assets | 0.9421% | 2,531 |
| Return on assets (ROA) | 0.9413% | 2,661 |
| Pretax return on assets | 1.1718% | 2,457 |
| Return on Equity (ROE) | 6.2146% | 3,435 |
| Retained earnings to average equity (ytd only) | 4.9640% | 2,496 |
| Net charge-offs to loans | 0.8307% | 185 |
| Credit loss provision to net charge-offs | 40.9483% | 2,667 |
| Earnings coverage of net charge-offs (x) | 2.9978% | 2,717 |
| Efficiency ratio | 50.2147% | 4,491 |
| Assets per employee ($millions) | 9.1580% | 651 |
| Cash dividends to net income (ytd only)* | 20.1245% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 385 |
| Loan loss allowance to noncurrent loans | 131.0658% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8375% | 1,480 |
| Noncurrent loans to loans | 1.5919% | 931 |
| Net loans and leases to total assets | 51.5090% | 4,060 |
| Net loans and leases to deposits | 63.8888% | 3,892 |
| Net loans and leases to core deposits | 68.9919% | 3,788 |
| Total domestic deposits to total assets | 80.6229% | 3,698 |
| Equity capital to assets | 15.1846% | 593 |
| Core capital (leverage) ratio | 14.9106% | 594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9383% | 334 |
| Memoranda: | ||
| Average total assets | $204,815,000 | 2,863 |
| Average earning assets | $188,776,333 | 2,883 |
| Average equity | $31,023,667 | 2,405 |
| Average total loans | $111,714,000 | 3,075 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9595% | 3,902 |
| Cost of funding earning assets | 1.2838% | 587 |
| Net interest margin | 2.6758% | 4,687 |
| Noninterest income to average assets | 0.2358% | 4,142 |
| Noninterest expense to average assets | 1.3214% | 4,995 |
| Loan and lease loss provision to assets | 0.0892% | 2,571 |
| Net operating income to assets | 1.0143% | 2,134 |
| Return on assets (ROA) | 1.0143% | 2,235 |
| Pretax return on assets | 1.2739% | 1,951 |
| Return on Equity (ROE) | 6.7052% | 3,066 |
| Retained earnings to average equity (ytd only) | 5.4349% | 2,099 |
| Net charge-offs to loans | 1.1519% | 132 |
| Credit loss provision to net charge-offs | 13.9319% | 2,219 |
| Earnings coverage of net charge-offs (x) | 2.1300% | 2,315 |
| Efficiency ratio | 49.2251% | 4,703 |
| Assets per employee ($millions) | 8.7850% | 567 |
| Cash dividends to net income (ytd only)* | 18.9453% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0765% | 449 |
| Loan loss allowance to noncurrent loans | 123.2496% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.9260% | 1,438 |
| Noncurrent loans to loans | 1.6848% | 905 |
| Net loans and leases to total assets | 53.8198% | 4,000 |
| Net loans and leases to deposits | 66.9975% | 3,797 |
| Net loans and leases to core deposits | 72.6449% | 3,722 |
| Total domestic deposits to total assets | 80.3310% | 3,794 |
| Equity capital to assets | 15.1816% | 727 |
| Core capital (leverage) ratio | 15.2522% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7290% | 364 |
| Memoranda: | ||
| Average total assets | $201,905,000 | 2,850 |
| Average earning assets | $184,769,000 | 2,875 |
| Average equity | $30,543,500 | 2,425 |
| Average total loans | $112,167,000 | 3,052 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9544% | 4,340 |
| Cost of funding earning assets | 1.2884% | 789 |
| Net interest margin | 2.6659% | 4,856 |
| Noninterest income to average assets | 0.3115% | 3,828 |
| Noninterest expense to average assets | 1.6739% | 4,894 |
| Loan and lease loss provision to assets | 0.1016% | 2,027 |
| Net operating income to assets | 0.8028% | 3,544 |
| Return on assets (ROA) | 0.8004% | 3,642 |
| Pretax return on assets | 0.9828% | 3,505 |
| Return on Equity (ROE) | 5.1020% | 4,180 |
| Retained earnings to average equity (ytd only) | -1.1079% | 4,813 |
| Net charge-offs to loans | -0.0037% | 4,300 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6183% | 3,602 |
| Assets per employee ($millions) | 8.7720% | 535 |
| Cash dividends to net income (ytd only)* | 121.7143% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2828% | 293 |
| Loan loss allowance to noncurrent loans | 113.4708% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1296% | 1,064 |
| Noncurrent loans to loans | 2.0118% | 638 |
| Net loans and leases to total assets | 54.8668% | 4,013 |
| Net loans and leases to deposits | 68.7030% | 3,757 |
| Net loans and leases to core deposits | 74.3092% | 3,695 |
| Total domestic deposits to total assets | 79.8608% | 4,007 |
| Equity capital to assets | 15.0737% | 773 |
| Core capital (leverage) ratio | 15.0678% | 673 |
| Tier 1 risk-based capital ratio | 25.4382% | 723 |
| Total risk-based capital ratio | 26.6988% | 700 |
| Memoranda: | ||
| Average total assets | $196,782,000 | 2,869 |
| Average earning assets | $180,838,000 | 2,878 |
| Average equity | $30,870,200 | 2,343 |
| Average total loans | $109,365,800 | 3,101 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 4,337 |
| Cost of funding earning assets | 1.2750% | 848 |
| Net interest margin | 2.7396% | 4,906 |
| Noninterest income to average assets | 0.2605% | 4,183 |
| Noninterest expense to average assets | 1.4524% | 5,093 |
| Loan and lease loss provision to assets | 0.0682% | 2,517 |
| Net operating income to assets | 1.0120% | 2,938 |
| Return on assets (ROA) | 1.0153% | 3,003 |
| Pretax return on assets | 1.2655% | 2,766 |
| Return on Equity (ROE) | 6.4073% | 3,916 |
| Retained earnings to average equity (ytd only) | 5.2196% | 2,784 |
| Net charge-offs to loans | -0.0086% | 4,334 |
| Credit loss provision to net charge-offs | -1,428.5714% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2059% | 4,580 |
| Assets per employee ($millions) | 8.6507% | 542 |
| Cash dividends to net income (ytd only)* | 18.5359% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2772% | 299 |
| Loan loss allowance to noncurrent loans | 111.2204% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1243% | 1,162 |
| Noncurrent loans to loans | 2.0475% | 653 |
| Net loans and leases to total assets | 53.6607% | 4,208 |
| Net loans and leases to deposits | 68.2322% | 3,903 |
| Net loans and leases to core deposits | 73.9225% | 3,836 |
| Total domestic deposits to total assets | 78.6442% | 4,237 |
| Equity capital to assets | 16.0665% | 622 |
| Core capital (leverage) ratio | 16.1741% | 538 |
| Tier 1 risk-based capital ratio | 27.1297% | 629 |
| Total risk-based capital ratio | 28.3897% | 615 |
| Memoranda: | ||
| Average total assets | $195,538,500 | 2,902 |
| Average earning assets | $179,974,250 | 2,907 |
| Average equity | $30,984,750 | 2,357 |
| Average total loans | $108,386,500 | 3,147 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 4,401 |
| Cost of funding earning assets | 1.2467% | 876 |
| Net interest margin | 2.7429% | 4,970 |
| Noninterest income to average assets | 0.1955% | 4,585 |
| Noninterest expense to average assets | 1.3982% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0585% | 2,685 |
| Return on assets (ROA) | 1.0535% | 2,777 |
| Pretax return on assets | 1.3128% | 2,516 |
| Return on Equity (ROE) | 6.6803% | 3,803 |
| Retained earnings to average equity (ytd only) | 5.4799% | 2,529 |
| Net charge-offs to loans | -0.0222% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4578% | 4,690 |
| Assets per employee ($millions) | 8.8476% | 499 |
| Cash dividends to net income (ytd only)* | 17.9688% | 3,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1767% | 340 |
| Loan loss allowance to noncurrent loans | 102.5268% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 1,104 |
| Noncurrent loans to loans | 2.1231% | 647 |
| Net loans and leases to total assets | 55.2726% | 4,120 |
| Net loans and leases to deposits | 70.3822% | 3,808 |
| Net loans and leases to core deposits | 76.2769% | 3,704 |
| Total domestic deposits to total assets | 78.5320% | 4,310 |
| Equity capital to assets | 16.1841% | 588 |
| Core capital (leverage) ratio | 16.2758% | 513 |
| Tier 1 risk-based capital ratio | 26.6491% | 644 |
| Total risk-based capital ratio | 27.9082% | 639 |
| Memoranda: | ||
| Average total assets | $194,395,670 | 2,918 |
| Average earning assets | $178,718,330 | 2,933 |
| Average equity | $30,657,330 | 2,371 |
| Average total loans | $108,097,000 | 3,169 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 4,573 |
| Cost of funding earning assets | 1.2106% | 876 |
| Net interest margin | 2.6763% | 5,085 |
| Noninterest income to average assets | 0.2080% | 4,505 |
| Noninterest expense to average assets | 1.3178% | 5,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0933% | 2,501 |
| Return on assets (ROA) | 1.0933% | 2,541 |
| Pretax return on assets | 1.3528% | 2,253 |
| Return on Equity (ROE) | 7.0250% | 3,676 |
| Retained earnings to average equity (ytd only) | 5.8078% | 2,544 |
| Net charge-offs to loans | -0.0411% | 4,772 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3446% | 4,867 |
| Assets per employee ($millions) | 9.2469% | 432 |
| Cash dividends to net income (ytd only)* | 17.3258% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2208% | 346 |
| Loan loss allowance to noncurrent loans | 102.3097% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 1,112 |
| Noncurrent loans to loans | 2.1707% | 660 |
| Net loans and leases to total assets | 54.2354% | 4,196 |
| Net loans and leases to deposits | 69.6647% | 3,787 |
| Net loans and leases to core deposits | 74.7072% | 3,754 |
| Total domestic deposits to total assets | 77.8520% | 4,541 |
| Equity capital to assets | 15.7489% | 614 |
| Core capital (leverage) ratio | 16.1336% | 515 |
| Tier 1 risk-based capital ratio | 26.7363% | 638 |
| Total risk-based capital ratio | 27.9960% | 623 |
| Memoranda: | ||
| Average total assets | $194,269,500 | 2,953 |
| Average earning assets | $178,754,000 | 2,963 |
| Average equity | $30,235,000 | 2,396 |
| Average total loans | $107,155,000 | 3,212 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 4,608 |
| Cost of funding earning assets | 1.0589% | 582 |
| Net interest margin | 2.6803% | 5,113 |
| Noninterest income to average assets | 0.2121% | 4,639 |
| Noninterest expense to average assets | 1.4562% | 5,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0065% | 2,978 |
| Return on assets (ROA) | 0.9505% | 3,227 |
| Pretax return on assets | 1.1703% | 3,013 |
| Return on Equity (ROE) | 6.3297% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.2448% | 3,216 |
| Net charge-offs to loans | -0.0029% | 4,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0201% | 4,618 |
| Assets per employee ($millions) | 9.2550% | 425 |
| Cash dividends to net income (ytd only)* | 32.9380% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2354% | 312 |
| Loan loss allowance to noncurrent loans | 61.7998% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.9840% | 483 |
| Noncurrent loans to loans | 3.6172% | 234 |
| Net loans and leases to total assets | 53.6228% | 4,309 |
| Net loans and leases to deposits | 68.6729% | 3,931 |
| Net loans and leases to core deposits | 73.4752% | 3,890 |
| Total domestic deposits to total assets | 78.0843% | 4,479 |
| Equity capital to assets | 15.3781% | 633 |
| Core capital (leverage) ratio | 15.8557% | 537 |
| Tier 1 risk-based capital ratio | 25.9355% | 670 |
| Total risk-based capital ratio | 27.1945% | 656 |
| Memoranda: | ||
| Average total assets | $195,160,800 | 2,913 |
| Average earning assets | $180,840,000 | 2,914 |
| Average equity | $29,306,200 | 2,373 |
| Average total loans | $103,823,000 | 3,236 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,723 |
| Cost of funding earning assets | 1.0224% | 541 |
| Net interest margin | 2.6313% | 5,208 |
| Noninterest income to average assets | 0.2054% | 4,737 |
| Noninterest expense to average assets | 1.3493% | 5,349 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0546% | 2,853 |
| Return on assets (ROA) | 0.9944% | 3,119 |
| Pretax return on assets | 1.2250% | 2,896 |
| Return on Equity (ROE) | 6.6618% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.7564% | 2,789 |
| Net charge-offs to loans | 0.0013% | 3,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1,908.7218% | 33 |
| Efficiency ratio | 50.9405% | 4,887 |
| Assets per employee ($millions) | 9.1685% | 425 |
| Cash dividends to net income (ytd only)* | 13.5894% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 325 |
| Loan loss allowance to noncurrent loans | 61.5265% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 2.0074% | 529 |
| Noncurrent loans to loans | 3.6537% | 255 |
| Net loans and leases to total assets | 53.7060% | 4,381 |
| Net loans and leases to deposits | 68.4960% | 4,023 |
| Net loans and leases to core deposits | 73.5921% | 3,972 |
| Total domestic deposits to total assets | 78.4075% | 4,419 |
| Equity capital to assets | 15.2878% | 662 |
| Core capital (leverage) ratio | 15.8388% | 543 |
| Tier 1 risk-based capital ratio | 26.3538% | 659 |
| Total risk-based capital ratio | 27.6135% | 645 |
| Memoranda: | ||
| Average total assets | $195,362,500 | 2,938 |
| Average earning assets | $181,399,500 | 2,933 |
| Average equity | $29,160,750 | 2,394 |
| Average total loans | $103,128,500 | 3,273 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 4,780 |
| Cost of funding earning assets | 0.9993% | 474 |
| Net interest margin | 2.5919% | 5,283 |
| Noninterest income to average assets | 0.1885% | 4,883 |
| Noninterest expense to average assets | 1.3275% | 5,426 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0301% | 2,893 |
| Return on assets (ROA) | 0.9954% | 3,038 |
| Pretax return on assets | 1.2257% | 2,848 |
| Return on Equity (ROE) | 6.7219% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.8137% | 2,653 |
| Net charge-offs to loans | -0.0176% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1381% | 4,956 |
| Assets per employee ($millions) | 8.9175% | 464 |
| Cash dividends to net income (ytd only)* | 13.5107% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 353 |
| Loan loss allowance to noncurrent loans | 72.5038% | 3,956 |
| Noncurrent assets plus other real estate owned to assets | 1.6795% | 735 |
| Noncurrent loans to loans | 3.0756% | 360 |
| Net loans and leases to total assets | 53.3904% | 4,386 |
| Net loans and leases to deposits | 67.9159% | 4,023 |
| Net loans and leases to core deposits | 72.9949% | 3,942 |
| Total domestic deposits to total assets | 78.6125% | 4,488 |
| Equity capital to assets | 14.8992% | 704 |
| Core capital (leverage) ratio | 15.4221% | 584 |
| Tier 1 risk-based capital ratio | 24.4635% | 795 |
| Total risk-based capital ratio | 25.7216% | 769 |
| Memoranda: | ||
| Average total assets | $196,303,670 | 2,939 |
| Average earning assets | $182,335,670 | 2,934 |
| Average equity | $29,069,330 | 2,410 |
| Average total loans | $102,243,670 | 3,303 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5296% | 4,824 |
| Cost of funding earning assets | 0.9698% | 429 |
| Net interest margin | 2.5599% | 5,347 |
| Noninterest income to average assets | 0.1670% | 5,021 |
| Noninterest expense to average assets | 1.2344% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0701% | 2,564 |
| Return on assets (ROA) | 1.0470% | 2,675 |
| Pretax return on assets | 1.2915% | 2,402 |
| Return on Equity (ROE) | 7.0923% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.1817% | 2,632 |
| Net charge-offs to loans | 0.0040% | 2,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 648.0000% | 96 |
| Efficiency ratio | 48.3254% | 5,178 |
| Assets per employee ($millions) | 9.3319% | 398 |
| Cash dividends to net income (ytd only)* | 12.8405% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3521% | 303 |
| Loan loss allowance to noncurrent loans | 78.6446% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 887 |
| Noncurrent loans to loans | 2.9908% | 401 |
| Net loans and leases to total assets | 50.3980% | 4,531 |
| Net loans and leases to deposits | 64.3634% | 4,193 |
| Net loans and leases to core deposits | 69.4535% | 4,115 |
| Total domestic deposits to total assets | 78.3023% | 4,686 |
| Equity capital to assets | 14.7645% | 726 |
| Core capital (leverage) ratio | 15.2692% | 600 |
| Tier 1 risk-based capital ratio | 25.7851% | 703 |
| Total risk-based capital ratio | 27.0443% | 683 |
| Memoranda: | ||
| Average total assets | $196,363,000 | 2,964 |
| Average earning assets | $183,135,000 | 2,963 |
| Average equity | $28,989,000 | 2,437 |
| Average total loans | $99,799,000 | 3,364 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 4,731 |
| Cost of funding earning assets | 0.9546% | 279 |
| Net interest margin | 2.5773% | 5,365 |
| Noninterest income to average assets | 0.1655% | 5,133 |
| Noninterest expense to average assets | 1.2480% | 5,574 |
| Loan and lease loss provision to assets | 0.0077% | 4,112 |
| Net operating income to assets | 0.9256% | 2,572 |
| Return on assets (ROA) | 0.9001% | 2,740 |
| Pretax return on assets | 1.2941% | 2,374 |
| Return on Equity (ROE) | 6.1640% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.7782% | 2,272 |
| Net charge-offs to loans | -0.1417% | 5,456 |
| Credit loss provision to net charge-offs | -11.0294% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2567% | 5,302 |
| Assets per employee ($millions) | 9.8378% | 336 |
| Cash dividends to net income (ytd only)* | 22.4815% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4174% | 273 |
| Loan loss allowance to noncurrent loans | 83.0136% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4571% | 957 |
| Noncurrent loans to loans | 2.9120% | 391 |
| Net loans and leases to total assets | 48.8290% | 4,715 |
| Net loans and leases to deposits | 62.1762% | 4,434 |
| Net loans and leases to core deposits | 66.5872% | 4,386 |
| Total domestic deposits to total assets | 78.5333% | 4,636 |
| Equity capital to assets | 14.7614% | 728 |
| Core capital (leverage) ratio | 14.9403% | 631 |
| Tier 1 risk-based capital ratio | 26.1724% | 651 |
| Total risk-based capital ratio | 27.4326% | 645 |
| Memoranda: | ||
| Average total assets | $195,199,800 | 2,970 |
| Average earning assets | $183,329,600 | 2,929 |
| Average equity | $28,504,400 | 2,462 |
| Average total loans | $95,975,200 | 3,417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 4,788 |
| Cost of funding earning assets | 0.9561% | 245 |
| Net interest margin | 2.5554% | 5,434 |
| Noninterest income to average assets | 0.1602% | 5,217 |
| Noninterest expense to average assets | 1.1252% | 5,660 |
| Loan and lease loss provision to assets | 0.0103% | 3,930 |
| Net operating income to assets | 1.0257% | 2,442 |
| Return on assets (ROA) | 1.0252% | 2,487 |
| Pretax return on assets | 1.4277% | 2,023 |
| Return on Equity (ROE) | 7.0402% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.1097% | 2,167 |
| Net charge-offs to loans | -0.0769% | 5,306 |
| Credit loss provision to net charge-offs | -27.2727% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8868% | 5,483 |
| Assets per employee ($millions) | 9.2840% | 393 |
| Cash dividends to net income (ytd only)* | 13.2175% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3637% | 314 |
| Loan loss allowance to noncurrent loans | 184.6586% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,590 |
| Noncurrent loans to loans | 1.2800% | 1,497 |
| Net loans and leases to total assets | 48.7087% | 4,781 |
| Net loans and leases to deposits | 62.2362% | 4,497 |
| Net loans and leases to core deposits | 66.3103% | 4,462 |
| Total domestic deposits to total assets | 78.2643% | 4,683 |
| Equity capital to assets | 14.9570% | 739 |
| Core capital (leverage) ratio | 15.0692% | 651 |
| Tier 1 risk-based capital ratio | 26.4599% | 650 |
| Total risk-based capital ratio | 27.7195% | 637 |
| Memoranda: | ||
| Average total assets | $194,810,750 | 2,997 |
| Average earning assets | $183,239,000 | 2,958 |
| Average equity | $28,369,500 | 2,488 |
| Average total loans | $95,355,500 | 3,453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 4,850 |
| Cost of funding earning assets | 0.9487% | 226 |
| Net interest margin | 2.5124% | 5,500 |
| Noninterest income to average assets | 0.1561% | 5,276 |
| Noninterest expense to average assets | 1.1152% | 5,718 |
| Loan and lease loss provision to assets | 0.0154% | 3,645 |
| Net operating income to assets | 1.0090% | 2,380 |
| Return on assets (ROA) | 1.0105% | 2,415 |
| Pretax return on assets | 1.4017% | 2,014 |
| Return on Equity (ROE) | 7.0021% | 3,551 |
| Retained earnings to average equity (ytd only) | 6.0628% | 2,079 |
| Net charge-offs to loans | -0.0929% | 5,389 |
| Credit loss provision to net charge-offs | -34.0909% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0747% | 5,525 |
| Assets per employee ($millions) | 9.2708% | 381 |
| Cash dividends to net income (ytd only)* | 13.4146% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3586% | 350 |
| Loan loss allowance to noncurrent loans | 179.0297% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 2,580 |
| Noncurrent loans to loans | 1.3174% | 1,468 |
| Net loans and leases to total assets | 48.6522% | 4,786 |
| Net loans and leases to deposits | 62.0559% | 4,499 |
| Net loans and leases to core deposits | 65.8919% | 4,474 |
| Total domestic deposits to total assets | 78.4006% | 4,749 |
| Equity capital to assets | 14.7905% | 749 |
| Core capital (leverage) ratio | 14.8985% | 654 |
| Tier 1 risk-based capital ratio | 26.0827% | 670 |
| Total risk-based capital ratio | 27.3427% | 653 |
| Memoranda: | ||
| Average total assets | $194,759,330 | 3,008 |
| Average earning assets | $184,047,330 | 2,967 |
| Average equity | $28,105,670 | 2,498 |
| Average total loans | $94,719,330 | 3,478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 4,885 |
| Cost of funding earning assets | 0.9484% | 215 |
| Net interest margin | 2.4762% | 5,567 |
| Noninterest income to average assets | 0.1602% | 5,315 |
| Noninterest expense to average assets | 1.0329% | 5,797 |
| Loan and lease loss provision to assets | 0.0308% | 3,166 |
| Net operating income to assets | 1.0308% | 2,166 |
| Return on assets (ROA) | 1.0308% | 2,216 |
| Pretax return on assets | 1.4395% | 1,732 |
| Return on Equity (ROE) | 7.2332% | 3,304 |
| Retained earnings to average equity (ytd only) | 6.2822% | 2,192 |
| Net charge-offs to loans | -0.1453% | 5,556 |
| Credit loss provision to net charge-offs | -44.1176% | 3,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2633% | 5,662 |
| Assets per employee ($millions) | 10.7646% | 239 |
| Cash dividends to net income (ytd only)* | 13.1474% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4046% | 354 |
| Loan loss allowance to noncurrent loans | 181.8690% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 2,699 |
| Noncurrent loans to loans | 1.3222% | 1,534 |
| Net loans and leases to total assets | 47.6959% | 4,849 |
| Net loans and leases to deposits | 60.8143% | 4,510 |
| Net loans and leases to core deposits | 64.5623% | 4,504 |
| Total domestic deposits to total assets | 78.4288% | 4,918 |
| Equity capital to assets | 14.4672% | 766 |
| Core capital (leverage) ratio | 14.5373% | 701 |
| Tier 1 risk-based capital ratio | 25.4228% | 739 |
| Total risk-based capital ratio | 26.6822% | 717 |
| Memoranda: | ||
| Average total assets | $194,796,000 | 3,046 |
| Average earning assets | $184,318,000 | 2,997 |
| Average equity | $27,761,000 | 2,531 |
| Average total loans | $93,575,500 | 3,524 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 4,895 |
| Cost of funding earning assets | 0.9287% | 251 |
| Net interest margin | 2.5147% | 5,580 |
| Noninterest income to average assets | 0.1781% | 5,331 |
| Noninterest expense to average assets | 1.1292% | 5,839 |
| Loan and lease loss provision to assets | 0.1182% | 2,099 |
| Net operating income to assets | 0.9548% | 2,556 |
| Return on assets (ROA) | 0.9548% | 2,666 |
| Pretax return on assets | 1.3110% | 2,242 |
| Return on Equity (ROE) | 6.4420% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.6198% | 3,347 |
| Net charge-offs to loans | -0.0931% | 5,570 |
| Credit loss provision to net charge-offs | -258.6207% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1364% | 5,692 |
| Assets per employee ($millions) | 11.5194% | 194 |
| Cash dividends to net income (ytd only)* | 43.8085% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4109% | 351 |
| Loan loss allowance to noncurrent loans | 169.1199% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6730% | 2,693 |
| Noncurrent loans to loans | 1.4255% | 1,425 |
| Net loans and leases to total assets | 46.0749% | 5,012 |
| Net loans and leases to deposits | 59.6857% | 4,696 |
| Net loans and leases to core deposits | 62.9288% | 4,694 |
| Total domestic deposits to total assets | 77.1959% | 5,090 |
| Equity capital to assets | 14.0378% | 879 |
| Core capital (leverage) ratio | 14.5072% | 695 |
| Tier 1 risk-based capital ratio | 26.6099% | 652 |
| Total risk-based capital ratio | 27.8700% | 633 |
| Memoranda: | ||
| Average total assets | $190,305,600 | 3,058 |
| Average earning assets | $180,138,200 | 3,016 |
| Average equity | $28,205,600 | 2,503 |
| Average total loans | $93,475,000 | 3,510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 4,854 |
| Cost of funding earning assets | 0.9315% | 246 |
| Net interest margin | 2.5523% | 5,625 |
| Noninterest income to average assets | 0.1771% | 5,391 |
| Noninterest expense to average assets | 1.0388% | 5,917 |
| Loan and lease loss provision to assets | 0.1588% | 1,457 |
| Net operating income to assets | 1.0078% | 2,398 |
| Return on assets (ROA) | 1.0078% | 2,532 |
| Pretax return on assets | 1.3966% | 2,045 |
| Return on Equity (ROE) | 6.7077% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.0548% | 2,161 |
| Net charge-offs to loans | -0.1067% | 5,595 |
| Credit loss provision to net charge-offs | -300.0000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0435% | 5,832 |
| Assets per employee ($millions) | 11.3141% | 201 |
| Cash dividends to net income (ytd only)* | 9.7340% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3905% | 384 |
| Loan loss allowance to noncurrent loans | 167.6248% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 2,851 |
| Noncurrent loans to loans | 1.4261% | 1,521 |
| Net loans and leases to total assets | 47.0435% | 5,016 |
| Net loans and leases to deposits | 60.5076% | 4,717 |
| Net loans and leases to core deposits | 63.7689% | 4,735 |
| Total domestic deposits to total assets | 77.7481% | 4,955 |
| Equity capital to assets | 14.8899% | 765 |
| Core capital (leverage) ratio | 15.1326% | 607 |
| Tier 1 risk-based capital ratio | 26.7878% | 655 |
| Total risk-based capital ratio | 28.0481% | 639 |
| Memoranda: | ||
| Average total assets | $188,924,750 | 3,081 |
| Average earning assets | $178,921,250 | 3,036 |
| Average equity | $28,384,500 | 2,506 |
| Average total loans | $93,729,500 | 3,520 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5139% | 4,827 |
| Cost of funding earning assets | 0.9232% | 259 |
| Net interest margin | 2.5907% | 5,673 |
| Noninterest income to average assets | 0.1736% | 5,453 |
| Noninterest expense to average assets | 1.0192% | 6,000 |
| Loan and lease loss provision to assets | 0.1598% | 1,424 |
| Net operating income to assets | 1.0363% | 2,231 |
| Return on assets (ROA) | 1.0363% | 2,361 |
| Pretax return on assets | 1.4485% | 1,844 |
| Return on Equity (ROE) | 6.8764% | 3,617 |
| Retained earnings to average equity (ytd only) | 4.6432% | 2,950 |
| Net charge-offs to loans | -0.1212% | 5,680 |
| Credit loss provision to net charge-offs | -263.1579% | 4,787 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7921% | 5,929 |
| Assets per employee ($millions) | 11.0655% | 201 |
| Cash dividends to net income (ytd only)* | 32.4769% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 533 |
| Loan loss allowance to noncurrent loans | 168.2250% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6709% | 2,990 |
| Noncurrent loans to loans | 1.3164% | 1,714 |
| Net loans and leases to total assets | 49.8355% | 4,851 |
| Net loans and leases to deposits | 65.0497% | 4,412 |
| Net loans and leases to core deposits | 69.2847% | 4,384 |
| Total domestic deposits to total assets | 76.6114% | 5,204 |
| Equity capital to assets | 15.2818% | 675 |
| Core capital (leverage) ratio | 15.1719% | 579 |
| Tier 1 risk-based capital ratio | 26.3958% | 702 |
| Total risk-based capital ratio | 27.6550% | 682 |
| Memoranda: | ||
| Average total assets | $187,786,670 | 3,112 |
| Average earning assets | $177,864,000 | 3,063 |
| Average equity | $28,299,670 | 2,512 |
| Average total loans | $94,073,000 | 3,518 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5413% | 4,782 |
| Cost of funding earning assets | 0.9095% | 278 |
| Net interest margin | 2.6318% | 5,691 |
| Noninterest income to average assets | 0.1684% | 5,479 |
| Noninterest expense to average assets | 1.0020% | 6,072 |
| Loan and lease loss provision to assets | 0.1599% | 1,302 |
| Net operating income to assets | 1.0596% | 2,053 |
| Return on assets (ROA) | 1.0596% | 2,162 |
| Pretax return on assets | 1.4987% | 1,589 |
| Return on Equity (ROE) | 7.0808% | 3,414 |
| Retained earnings to average equity (ytd only) | 6.4112% | 2,181 |
| Net charge-offs to loans | -0.1803% | 5,818 |
| Credit loss provision to net charge-offs | -178.5714% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.6603% | 6,008 |
| Assets per employee ($millions) | 11.0270% | 202 |
| Cash dividends to net income (ytd only)* | 9.4567% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1741% | 611 |
| Loan loss allowance to noncurrent loans | 160.7115% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6748% | 3,037 |
| Noncurrent loans to loans | 1.3528% | 1,764 |
| Net loans and leases to total assets | 48.7973% | 4,907 |
| Net loans and leases to deposits | 63.4943% | 4,474 |
| Net loans and leases to core deposits | 67.4649% | 4,438 |
| Total domestic deposits to total assets | 76.8531% | 5,310 |
| Equity capital to assets | 15.1350% | 666 |
| Core capital (leverage) ratio | 15.0590% | 596 |
| Tier 1 risk-based capital ratio | 26.8199% | 685 |
| Total risk-based capital ratio | 28.0780% | 671 |
| Memoranda: | ||
| Average total assets | $187,623,500 | 3,117 |
| Average earning assets | $177,675,500 | 3,076 |
| Average equity | $28,076,000 | 2,526 |
| Average total loans | $93,174,500 | 3,551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 4,977 |
| Cost of funding earning assets | 0.8917% | 300 |
| Net interest margin | 2.5870% | 5,766 |
| Noninterest income to average assets | 0.3028% | 4,714 |
| Noninterest expense to average assets | 1.1821% | 6,095 |
| Loan and lease loss provision to assets | 0.2078% | 1,016 |
| Net operating income to assets | 0.9576% | 2,587 |
| Return on assets (ROA) | 0.9576% | 2,660 |
| Pretax return on assets | 1.3419% | 2,125 |
| Return on Equity (ROE) | 6.5073% | 3,775 |
| Retained earnings to average equity (ytd only) | 5.4252% | 2,122 |
| Net charge-offs to loans | -0.3368% | 6,024 |
| Credit loss provision to net charge-offs | -124.1935% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2721% | 5,998 |
| Assets per employee ($millions) | 11.0464% | 195 |
| Cash dividends to net income (ytd only)* | 16.6291% | 3,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0627% | 717 |
| Loan loss allowance to noncurrent loans | 149.9608% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.6800% | 3,008 |
| Noncurrent loans to loans | 1.3755% | 1,707 |
| Net loans and leases to total assets | 48.4195% | 4,980 |
| Net loans and leases to deposits | 62.7383% | 4,576 |
| Net loans and leases to core deposits | 66.3316% | 4,564 |
| Total domestic deposits to total assets | 77.1769% | 5,288 |
| Equity capital to assets | 14.7933% | 708 |
| Core capital (leverage) ratio | 14.8888% | 636 |
| Tier 1 risk-based capital ratio | 25.8588% | 749 |
| Total risk-based capital ratio | 27.1170% | 730 |
| Memoranda: | ||
| Average total assets | $185,263,800 | 3,115 |
| Average earning assets | $173,947,000 | 3,064 |
| Average equity | $27,261,800 | 2,523 |
| Average total loans | $92,036,200 | 3,545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4695% | 5,047 |
| Cost of funding earning assets | 0.8836% | 313 |
| Net interest margin | 2.5859% | 5,848 |
| Noninterest income to average assets | 0.2737% | 4,981 |
| Noninterest expense to average assets | 1.1063% | 6,193 |
| Loan and lease loss provision to assets | 0.4405% | 254 |
| Net operating income to assets | 0.8377% | 3,232 |
| Return on assets (ROA) | 0.8377% | 3,317 |
| Pretax return on assets | 1.1511% | 3,012 |
| Return on Equity (ROE) | 5.7003% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.0074% | 2,910 |
| Net charge-offs to loans | 0.3005% | 891 |
| Credit loss provision to net charge-offs | 294.6860% | 981 |
| Earnings coverage of net charge-offs (x) | 10.6475% | 2,577 |
| Efficiency ratio | 41.0064% | 6,110 |
| Assets per employee ($millions) | 10.9396% | 199 |
| Cash dividends to net income (ytd only)* | 12.1555% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7347% | 1,399 |
| Loan loss allowance to noncurrent loans | 114.6996% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 1,896 |
| Noncurrent loans to loans | 1.5123% | 1,663 |
| Net loans and leases to total assets | 49.4373% | 4,974 |
| Net loans and leases to deposits | 63.8508% | 4,572 |
| Net loans and leases to core deposits | 67.6502% | 4,571 |
| Total domestic deposits to total assets | 77.4263% | 5,278 |
| Equity capital to assets | 14.8065% | 780 |
| Core capital (leverage) ratio | 14.8638% | 661 |
| Tier 1 risk-based capital ratio | 25.3609% | 824 |
| Total risk-based capital ratio | 26.6139% | 804 |
| Memoranda: | ||
| Average total assets | $184,632,750 | 3,143 |
| Average earning assets | $173,085,000 | 3,096 |
| Average equity | $27,132,250 | 2,547 |
| Average total loans | $91,835,000 | 3,581 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4336% | 5,151 |
| Cost of funding earning assets | 0.8607% | 354 |
| Net interest margin | 2.5729% | 5,908 |
| Noninterest income to average assets | 0.2964% | 4,837 |
| Noninterest expense to average assets | 1.1054% | 6,274 |
| Loan and lease loss provision to assets | 0.2009% | 973 |
| Net operating income to assets | 1.0012% | 2,384 |
| Return on assets (ROA) | 1.0012% | 2,492 |
| Pretax return on assets | 1.4084% | 1,947 |
| Return on Equity (ROE) | 6.8302% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.1339% | 2,154 |
| Net charge-offs to loans | -0.3244% | 6,138 |
| Credit loss provision to net charge-offs | -125.0000% | 4,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7200% | 6,192 |
| Assets per employee ($millions) | 10.8933% | 203 |
| Cash dividends to net income (ytd only)* | 10.1952% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 1,809 |
| Loan loss allowance to noncurrent loans | 85.7143% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.4585% | 1,701 |
| Noncurrent loans to loans | 1.9036% | 1,307 |
| Net loans and leases to total assets | 50.5908% | 4,878 |
| Net loans and leases to deposits | 65.3253% | 4,400 |
| Net loans and leases to core deposits | 68.6387% | 4,445 |
| Total domestic deposits to total assets | 77.4443% | 5,381 |
| Equity capital to assets | 14.7225% | 764 |
| Core capital (leverage) ratio | 14.7307% | 669 |
| Tier 1 risk-based capital ratio | 23.1286% | 1,063 |
| Total risk-based capital ratio | 24.3799% | 1,044 |
| Memoranda: | ||
| Average total assets | $184,186,000 | 3,172 |
| Average earning assets | $173,113,670 | 3,121 |
| Average equity | $26,997,670 | 2,568 |
| Average total loans | $91,259,000 | 3,608 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4525% | 5,080 |
| Cost of funding earning assets | 0.8434% | 393 |
| Net interest margin | 2.6090% | 5,912 |
| Noninterest income to average assets | 0.4050% | 3,967 |
| Noninterest expense to average assets | 1.1629% | 6,331 |
| Loan and lease loss provision to assets | 0.2395% | 707 |
| Net operating income to assets | 1.0322% | 2,113 |
| Return on assets (ROA) | 1.0322% | 2,263 |
| Pretax return on assets | 1.4547% | 1,712 |
| Return on Equity (ROE) | 7.0576% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.3429% | 2,313 |
| Net charge-offs to loans | -0.6273% | 6,270 |
| Credit loss provision to net charge-offs | -78.5714% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7012% | 6,253 |
| Assets per employee ($millions) | 10.7578% | 213 |
| Cash dividends to net income (ytd only)* | 10.1266% | 2,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 2,017 |
| Loan loss allowance to noncurrent loans | 76.0207% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 1,675 |
| Noncurrent loans to loans | 2.1181% | 1,215 |
| Net loans and leases to total assets | 49.1478% | 4,929 |
| Net loans and leases to deposits | 63.0970% | 4,473 |
| Net loans and leases to core deposits | 66.3074% | 4,491 |
| Total domestic deposits to total assets | 77.8924% | 5,473 |
| Equity capital to assets | 14.8286% | 748 |
| Core capital (leverage) ratio | 14.5460% | 683 |
| Tier 1 risk-based capital ratio | 22.8206% | 1,133 |
| Total risk-based capital ratio | 24.0705% | 1,114 |
| Memoranda: | ||
| Average total assets | $183,686,000 | 3,196 |
| Average earning assets | $172,630,500 | 3,142 |
| Average equity | $26,864,500 | 2,597 |
| Average total loans | $89,268,000 | 3,664 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4879% | 5,345 |
| Cost of funding earning assets | 0.8852% | 421 |
| Net interest margin | 2.6027% | 6,068 |
| Noninterest income to average assets | 0.1807% | 5,772 |
| Noninterest expense to average assets | 1.1216% | 6,428 |
| Loan and lease loss provision to assets | 0.9142% | 128 |
| Net operating income to assets | 0.5082% | 4,780 |
| Return on assets (ROA) | 0.5344% | 4,747 |
| Pretax return on assets | 0.6375% | 4,819 |
| Return on Equity (ROE) | 3.6870% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.0807% | 4,050 |
| Net charge-offs to loans | 1.9233% | 104 |
| Credit loss provision to net charge-offs | 106.0127% | 2,260 |
| Earnings coverage of net charge-offs (x) | 1.7633% | 4,340 |
| Efficiency ratio | 42.4499% | 6,358 |
| Assets per employee ($millions) | 10.8523% | 197 |
| Cash dividends to net income (ytd only)* | 16.4454% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 2,956 |
| Loan loss allowance to noncurrent loans | 63.3108% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 1.5258% | 1,783 |
| Noncurrent loans to loans | 2.2103% | 1,203 |
| Net loans and leases to total assets | 46.5946% | 5,273 |
| Net loans and leases to deposits | 60.0432% | 4,896 |
| Net loans and leases to core deposits | 62.9624% | 4,924 |
| Total domestic deposits to total assets | 77.6019% | 5,508 |
| Equity capital to assets | 14.4236% | 834 |
| Core capital (leverage) ratio | 14.4633% | 708 |
| Tier 1 risk-based capital ratio | 24.6855% | 868 |
| Total risk-based capital ratio | 25.8393% | 864 |
| Memoranda: | ||
| Average total assets | $183,212,600 | 3,173 |
| Average earning assets | $173,284,800 | 3,118 |
| Average equity | $26,552,800 | 2,524 |
| Average total loans | $82,149,800 | 3,815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5148% | 5,360 |
| Cost of funding earning assets | 0.8916% | 431 |
| Net interest margin | 2.6232% | 6,104 |
| Noninterest income to average assets | 0.1728% | 5,887 |
| Noninterest expense to average assets | 1.0745% | 6,512 |
| Loan and lease loss provision to assets | 1.1664% | 81 |
| Net operating income to assets | 0.3907% | 5,281 |
| Return on assets (ROA) | 0.4294% | 5,221 |
| Pretax return on assets | 0.4593% | 5,437 |
| Return on Equity (ROE) | 2.9591% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.4919% | 4,799 |
| Net charge-offs to loans | 2.6257% | 56 |
| Credit loss provision to net charge-offs | 100.4394% | 2,197 |
| Earnings coverage of net charge-offs (x) | 1.3641% | 4,174 |
| Efficiency ratio | 40.4168% | 6,446 |
| Assets per employee ($millions) | 11.2524% | 165 |
| Cash dividends to net income (ytd only)* | 15.7899% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,011 |
| Loan loss allowance to noncurrent loans | 53.7767% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.6624% | 1,823 |
| Noncurrent loans to loans | 2.6689% | 1,075 |
| Net loans and leases to total assets | 43.1798% | 5,583 |
| Net loans and leases to deposits | 54.5486% | 5,337 |
| Net loans and leases to core deposits | 57.4274% | 5,370 |
| Total domestic deposits to total assets | 79.1583% | 5,286 |
| Equity capital to assets | 14.6502% | 822 |
| Core capital (leverage) ratio | 14.3249% | 762 |
| Tier 1 risk-based capital ratio | 26.7330% | 724 |
| Total risk-based capital ratio | 27.8997% | 716 |
| Memoranda: | ||
| Average total assets | $182,893,500 | 3,205 |
| Average earning assets | $173,319,000 | 3,145 |
| Average equity | $26,538,500 | 2,528 |
| Average total loans | $80,891,750 | 3,880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5508% | 5,288 |
| Cost of funding earning assets | 0.8974% | 438 |
| Net interest margin | 2.6534% | 6,109 |
| Noninterest income to average assets | 0.1654% | 5,959 |
| Noninterest expense to average assets | 1.0650% | 6,581 |
| Loan and lease loss provision to assets | 0.2992% | 659 |
| Net operating income to assets | 0.9843% | 2,389 |
| Return on assets (ROA) | 1.0302% | 2,268 |
| Pretax return on assets | 1.3849% | 1,953 |
| Return on Equity (ROE) | 7.1223% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.6560% | 1,946 |
| Net charge-offs to loans | 0.6670% | 575 |
| Credit loss provision to net charge-offs | 101.1029% | 1,968 |
| Earnings coverage of net charge-offs (x) | 5.4816% | 2,921 |
| Efficiency ratio | 39.6356% | 6,529 |
| Assets per employee ($millions) | 11.3966% | 156 |
| Cash dividends to net income (ytd only)* | 6.5470% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 3,501 |
| Loan loss allowance to noncurrent loans | 81.7984% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7563% | 3,703 |
| Noncurrent loans to loans | 1.6717% | 2,075 |
| Net loans and leases to total assets | 44.6198% | 5,489 |
| Net loans and leases to deposits | 56.0460% | 5,186 |
| Net loans and leases to core deposits | 59.0791% | 5,197 |
| Total domestic deposits to total assets | 79.6128% | 5,327 |
| Equity capital to assets | 14.6760% | 781 |
| Core capital (leverage) ratio | 14.3055% | 754 |
| Tier 1 risk-based capital ratio | 26.4370% | 737 |
| Total risk-based capital ratio | 27.5697% | 732 |
| Memoranda: | ||
| Average total assets | $183,845,330 | 3,216 |
| Average earning assets | $174,722,330 | 3,145 |
| Average equity | $26,592,670 | 2,514 |
| Average total loans | $81,565,000 | 3,863 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5120% | 5,391 |
| Cost of funding earning assets | 0.9048% | 439 |
| Net interest margin | 2.6072% | 6,228 |
| Noninterest income to average assets | 0.1582% | 6,021 |
| Noninterest expense to average assets | 1.0379% | 6,669 |
| Loan and lease loss provision to assets | 0.4334% | 374 |
| Net operating income to assets | 0.9017% | 2,641 |
| Return on assets (ROA) | 0.9968% | 2,281 |
| Pretax return on assets | 1.2893% | 2,132 |
| Return on Equity (ROE) | 6.9412% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.4734% | 2,300 |
| Net charge-offs to loans | 0.8286% | 420 |
| Credit loss provision to net charge-offs | 119.0476% | 1,463 |
| Earnings coverage of net charge-offs (x) | 4.3929% | 2,535 |
| Efficiency ratio | 39.3591% | 6,602 |
| Assets per employee ($millions) | 11.5979% | 149 |
| Cash dividends to net income (ytd only)* | 6.7391% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4057% | 3,572 |
| Loan loss allowance to noncurrent loans | 66.9560% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 0.9312% | 3,395 |
| Noncurrent loans to loans | 2.0994% | 1,757 |
| Net loans and leases to total assets | 43.7325% | 5,534 |
| Net loans and leases to deposits | 54.6319% | 5,224 |
| Net loans and leases to core deposits | 57.5060% | 5,237 |
| Total domestic deposits to total assets | 80.0493% | 5,472 |
| Equity capital to assets | 14.1081% | 886 |
| Core capital (leverage) ratio | 14.0659% | 804 |
| Tier 1 risk-based capital ratio | 25.8436% | 800 |
| Total risk-based capital ratio | 26.9995% | 788 |
| Memoranda: | ||
| Average total assets | $184,595,500 | 3,238 |
| Average earning assets | $175,512,000 | 3,153 |
| Average equity | $26,508,500 | 2,511 |
| Average total loans | $81,102,500 | 3,902 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 5,828 |
| Cost of funding earning assets | 1.0287% | 392 |
| Net interest margin | 2.3770% | 6,470 |
| Noninterest income to average assets | 0.2194% | 5,764 |
| Noninterest expense to average assets | 1.1258% | 6,730 |
| Loan and lease loss provision to assets | 0.1625% | 2,245 |
| Net operating income to assets | 0.8607% | 2,974 |
| Return on assets (ROA) | 0.8999% | 2,869 |
| Pretax return on assets | 1.2331% | 2,445 |
| Return on Equity (ROE) | 6.2254% | 3,957 |
| Retained earnings to average equity (ytd only) | 5.6107% | 2,211 |
| Net charge-offs to loans | 0.6865% | 949 |
| Credit loss provision to net charge-offs | 57.0342% | 3,651 |
| Earnings coverage of net charge-offs (x) | 4.7091% | 3,479 |
| Efficiency ratio | 45.6202% | 6,574 |
| Assets per employee ($millions) | 10.8014% | 181 |
| Cash dividends to net income (ytd only)* | 9.8736% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 3,614 |
| Loan loss allowance to noncurrent loans | 57.7515% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 3,294 |
| Noncurrent loans to loans | 2.4382% | 1,568 |
| Net loans and leases to total assets | 42.8974% | 5,760 |
| Net loans and leases to deposits | 54.0554% | 5,460 |
| Net loans and leases to core deposits | 56.9337% | 5,467 |
| Total domestic deposits to total assets | 79.3584% | 5,587 |
| Equity capital to assets | 14.6152% | 755 |
| Core capital (leverage) ratio | 14.4504% | 701 |
| Tier 1 risk-based capital ratio | 26.9976% | 681 |
| Total risk-based capital ratio | 28.1416% | 671 |
| Memoranda: | ||
| Average total assets | $184,582,000 | 3,224 |
| Average earning assets | $174,589,400 | 3,156 |
| Average equity | $26,681,000 | 2,486 |
| Average total loans | $76,624,800 | 4,037 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3891% | 5,907 |
| Cost of funding earning assets | 1.0551% | 383 |
| Net interest margin | 2.3340% | 6,566 |
| Noninterest income to average assets | 0.2236% | 5,827 |
| Noninterest expense to average assets | 1.0691% | 6,817 |
| Loan and lease loss provision to assets | 0.1623% | 2,230 |
| Net operating income to assets | 0.8741% | 2,975 |
| Return on assets (ROA) | 0.9263% | 2,819 |
| Pretax return on assets | 1.2689% | 2,452 |
| Return on Equity (ROE) | 6.4258% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.9604% | 2,437 |
| Net charge-offs to loans | 0.6560% | 931 |
| Credit loss provision to net charge-offs | 60.3217% | 3,292 |
| Earnings coverage of net charge-offs (x) | 5.0536% | 3,293 |
| Efficiency ratio | 44.0154% | 6,654 |
| Assets per employee ($millions) | 10.7322% | 191 |
| Cash dividends to net income (ytd only)* | 7.2432% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,149 |
| Loan loss allowance to noncurrent loans | 54.9270% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.2014% | 3,246 |
| Noncurrent loans to loans | 2.8570% | 1,445 |
| Net loans and leases to total assets | 41.3926% | 5,942 |
| Net loans and leases to deposits | 51.5052% | 5,748 |
| Net loans and leases to core deposits | 54.3052% | 5,741 |
| Total domestic deposits to total assets | 80.3659% | 5,401 |
| Equity capital to assets | 14.5806% | 797 |
| Core capital (leverage) ratio | 14.2321% | 811 |
| Tier 1 risk-based capital ratio | 26.4909% | 745 |
| Total risk-based capital ratio | 27.7062% | 735 |
| Memoranda: | ||
| Average total assets | $184,821,500 | 3,256 |
| Average earning assets | $174,635,000 | 3,183 |
| Average equity | $26,642,000 | 2,512 |
| Average total loans | $75,807,250 | 4,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 6,011 |
| Cost of funding earning assets | 1.0482% | 435 |
| Net interest margin | 2.2962% | 6,625 |
| Noninterest income to average assets | 0.1983% | 6,016 |
| Noninterest expense to average assets | 1.0355% | 6,874 |
| Loan and lease loss provision to assets | 0.1616% | 2,311 |
| Net operating income to assets | 0.8520% | 3,035 |
| Return on assets (ROA) | 0.9299% | 2,799 |
| Pretax return on assets | 1.2747% | 2,388 |
| Return on Equity (ROE) | 6.4753% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.0101% | 2,438 |
| Net charge-offs to loans | -0.0318% | 6,117 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7813% | 6,713 |
| Assets per employee ($millions) | 11.4946% | 162 |
| Cash dividends to net income (ytd only)* | 7.1842% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 1,954 |
| Loan loss allowance to noncurrent loans | 58.0521% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4626% | 2,910 |
| Noncurrent loans to loans | 3.3664% | 1,280 |
| Net loans and leases to total assets | 41.3003% | 5,949 |
| Net loans and leases to deposits | 51.4711% | 5,731 |
| Net loans and leases to core deposits | 54.2500% | 5,736 |
| Total domestic deposits to total assets | 80.2397% | 5,551 |
| Equity capital to assets | 14.4073% | 841 |
| Core capital (leverage) ratio | 14.0931% | 802 |
| Tier 1 risk-based capital ratio | 26.2656% | 751 |
| Total risk-based capital ratio | 27.5285% | 732 |
| Memoranda: | ||
| Average total assets | $185,612,670 | 3,260 |
| Average earning assets | $175,158,330 | 3,185 |
| Average equity | $26,655,330 | 2,520 |
| Average total loans | $75,501,670 | 4,119 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3172% | 6,122 |
| Cost of funding earning assets | 1.0776% | 416 |
| Net interest margin | 2.2396% | 6,735 |
| Noninterest income to average assets | 0.1823% | 6,175 |
| Noninterest expense to average assets | 1.0125% | 6,959 |
| Loan and lease loss provision to assets | 0.1609% | 2,262 |
| Net operating income to assets | 0.8323% | 2,996 |
| Return on assets (ROA) | 0.8323% | 3,138 |
| Pretax return on assets | 1.1134% | 2,903 |
| Return on Equity (ROE) | 5.8052% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.3414% | 3,030 |
| Net charge-offs to loans | -0.0215% | 5,747 |
| Credit loss provision to net charge-offs | -1,875.0000% | 5,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2777% | 6,763 |
| Assets per employee ($millions) | 11.4817% | 158 |
| Cash dividends to net income (ytd only)* | 7.9897% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 2,279 |
| Loan loss allowance to noncurrent loans | 49.4471% | 5,192 |
| Noncurrent assets plus other real estate owned to assets | 1.5753% | 2,899 |
| Noncurrent loans to loans | 3.8624% | 1,190 |
| Net loans and leases to total assets | 40.0077% | 5,991 |
| Net loans and leases to deposits | 49.8102% | 5,800 |
| Net loans and leases to core deposits | 52.6343% | 5,774 |
| Total domestic deposits to total assets | 80.3203% | 5,684 |
| Equity capital to assets | 14.6021% | 849 |
| Core capital (leverage) ratio | 13.9707% | 803 |
| Tier 1 risk-based capital ratio | 26.8434% | 723 |
| Total risk-based capital ratio | 28.1069% | 710 |
| Memoranda: | ||
| Average total assets | $186,462,000 | 3,280 |
| Average earning assets | $175,206,000 | 3,209 |
| Average equity | $26,734,500 | 2,544 |
| Average total loans | $74,517,000 | 4,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6327% | 6,163 |
| Cost of funding earning assets | 1.3109% | 359 |
| Net interest margin | 2.3218% | 6,829 |
| Noninterest income to average assets | 0.2015% | 5,974 |
| Noninterest expense to average assets | 1.1177% | 6,992 |
| Loan and lease loss provision to assets | 0.1643% | 3,557 |
| Net operating income to assets | 0.8069% | 3,251 |
| Return on assets (ROA) | 0.8061% | 3,505 |
| Pretax return on assets | 1.0755% | 3,253 |
| Return on Equity (ROE) | 5.6178% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.0606% | 2,665 |
| Net charge-offs to loans | 0.0655% | 5,032 |
| Credit loss provision to net charge-offs | 681.8182% | 362 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 669 |
| Efficiency ratio | 47.3880% | 6,735 |
| Assets per employee ($millions) | 11.8261% | 155 |
| Cash dividends to net income (ytd only)* | 9.9185% | 4,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8244% | 2,512 |
| Loan loss allowance to noncurrent loans | 43.3750% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 2,926 |
| Noncurrent loans to loans | 4.2061% | 1,077 |
| Net loans and leases to total assets | 38.4500% | 6,269 |
| Net loans and leases to deposits | 49.1077% | 6,024 |
| Net loans and leases to core deposits | 52.0705% | 6,011 |
| Total domestic deposits to total assets | 78.2974% | 6,030 |
| Equity capital to assets | 14.0812% | 1,018 |
| Core capital (leverage) ratio | 13.4996% | 946 |
| Tier 1 risk-based capital ratio | 26.3319% | 742 |
| Total risk-based capital ratio | 27.5521% | 738 |
| Memoranda: | ||
| Average total assets | $182,608,800 | 3,279 |
| Average earning assets | $169,654,400 | 3,232 |
| Average equity | $26,202,400 | 2,549 |
| Average total loans | $67,205,200 | 4,451 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 6,271 |
| Cost of funding earning assets | 1.3569% | 346 |
| Net interest margin | 2.3163% | 6,937 |
| Noninterest income to average assets | 0.2041% | 6,067 |
| Noninterest expense to average assets | 1.1104% | 7,095 |
| Loan and lease loss provision to assets | 0.1658% | 3,453 |
| Net operating income to assets | 0.8002% | 3,454 |
| Return on assets (ROA) | 0.8002% | 3,695 |
| Pretax return on assets | 1.0662% | 3,478 |
| Return on Equity (ROE) | 5.5494% | 4,575 |
| Retained earnings to average equity (ytd only) | 5.0896% | 3,307 |
| Net charge-offs to loans | 0.0163% | 5,459 |
| Credit loss provision to net charge-offs | 2,812.5000% | 97 |
| Earnings coverage of net charge-offs (x) | 208.9297% | 218 |
| Efficiency ratio | 47.4048% | 6,751 |
| Assets per employee ($millions) | 10.9336% | 183 |
| Cash dividends to net income (ytd only)* | 8.2875% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 2,607 |
| Loan loss allowance to noncurrent loans | 81.0494% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 4,541 |
| Noncurrent loans to loans | 2.2977% | 2,509 |
| Net loans and leases to total assets | 37.2251% | 6,470 |
| Net loans and leases to deposits | 45.7367% | 6,404 |
| Net loans and leases to core deposits | 49.8365% | 6,292 |
| Total domestic deposits to total assets | 81.3899% | 5,239 |
| Equity capital to assets | 14.2959% | 1,040 |
| Core capital (leverage) ratio | 13.6183% | 973 |
| Tier 1 risk-based capital ratio | 27.1553% | 732 |
| Total risk-based capital ratio | 28.4162% | 710 |
| Memoranda: | ||
| Average total assets | $180,956,750 | 3,334 |
| Average earning assets | $167,043,250 | 3,306 |
| Average equity | $26,092,000 | 2,581 |
| Average total loans | $65,480,000 | 4,576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 6,297 |
| Cost of funding earning assets | 1.4083% | 337 |
| Net interest margin | 2.3145% | 7,003 |
| Noninterest income to average assets | 0.2365% | 5,877 |
| Noninterest expense to average assets | 1.1231% | 7,164 |
| Loan and lease loss provision to assets | 0.1673% | 3,432 |
| Net operating income to assets | 0.8164% | 3,320 |
| Return on assets (ROA) | 0.8164% | 3,579 |
| Pretax return on assets | 1.0796% | 3,378 |
| Return on Equity (ROE) | 5.6455% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.1828% | 3,165 |
| Net charge-offs to loans | 0.0376% | 4,850 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 93.1667% | 459 |
| Efficiency ratio | 47.3882% | 6,812 |
| Assets per employee ($millions) | 11.3911% | 164 |
| Cash dividends to net income (ytd only)* | 8.1967% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8673% | 2,654 |
| Loan loss allowance to noncurrent loans | 71.6773% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 4,453 |
| Noncurrent loans to loans | 2.6051% | 2,305 |
| Net loans and leases to total assets | 35.6113% | 6,629 |
| Net loans and leases to deposits | 43.8401% | 6,562 |
| Net loans and leases to core deposits | 47.7572% | 6,476 |
| Total domestic deposits to total assets | 81.2298% | 5,384 |
| Equity capital to assets | 14.3660% | 953 |
| Core capital (leverage) ratio | 13.7208% | 894 |
| Tier 1 risk-based capital ratio | 28.6088% | 603 |
| Total risk-based capital ratio | 29.8083% | 591 |
| Memoranda: | ||
| Average total assets | $179,318,330 | 3,365 |
| Average earning assets | $165,303,670 | 3,341 |
| Average equity | $25,932,000 | 2,577 |
| Average total loans | $63,805,330 | 4,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7504% | 6,350 |
| Cost of funding earning assets | 1.4548% | 342 |
| Net interest margin | 2.2956% | 7,059 |
| Noninterest income to average assets | 0.2159% | 6,070 |
| Noninterest expense to average assets | 1.0661% | 7,244 |
| Loan and lease loss provision to assets | 0.1687% | 3,283 |
| Net operating income to assets | 0.8322% | 3,237 |
| Return on assets (ROA) | 0.8322% | 3,469 |
| Pretax return on assets | 1.0998% | 3,326 |
| Return on Equity (ROE) | 5.7350% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2700% | 3,390 |
| Net charge-offs to loans | 0.1277% | 3,344 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 971 |
| Efficiency ratio | 45.6647% | 6,917 |
| Assets per employee ($millions) | 11.1074% | 180 |
| Cash dividends to net income (ytd only)* | 8.1081% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 3,155 |
| Loan loss allowance to noncurrent loans | 69.1291% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 3,733 |
| Noncurrent loans to loans | 2.5334% | 2,574 |
| Net loans and leases to total assets | 36.3332% | 6,601 |
| Net loans and leases to deposits | 44.9024% | 6,500 |
| Net loans and leases to core deposits | 49.4297% | 6,370 |
| Total domestic deposits to total assets | 80.9159% | 5,629 |
| Equity capital to assets | 14.5713% | 845 |
| Core capital (leverage) ratio | 13.6734% | 886 |
| Tier 1 risk-based capital ratio | 29.2414% | 563 |
| Total risk-based capital ratio | 30.4563% | 554 |
| Memoranda: | ||
| Average total assets | $177,849,000 | 3,411 |
| Average earning assets | $164,142,000 | 3,375 |
| Average equity | $25,806,500 | 2,586 |
| Average total loans | $62,638,500 | 4,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 6,388 |
| Cost of funding earning assets | 1.6248% | 433 |
| Net interest margin | 2.4125% | 7,097 |
| Noninterest income to average assets | 0.0929% | 6,673 |
| Noninterest expense to average assets | 1.2378% | 7,260 |
| Loan and lease loss provision to assets | 0.2008% | 4,176 |
| Net operating income to assets | 0.7180% | 3,400 |
| Return on assets (ROA) | 0.7153% | 3,592 |
| Pretax return on assets | 0.8943% | 3,621 |
| Return on Equity (ROE) | 4.9819% | 4,396 |
| Retained earnings to average equity (ytd only) | 4.5305% | 2,946 |
| Net charge-offs to loans | 0.2628% | 4,126 |
| Credit loss provision to net charge-offs | 231.7881% | 1,048 |
| Earnings coverage of net charge-offs (x) | 12.6821% | 1,602 |
| Efficiency ratio | 52.9831% | 6,614 |
| Assets per employee ($millions) | 11.8653% | 154 |
| Cash dividends to net income (ytd only)* | 9.0617% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8403% | 2,743 |
| Loan loss allowance to noncurrent loans | 62.4501% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.4721% | 3,750 |
| Noncurrent loans to loans | 2.9469% | 2,208 |
| Net loans and leases to total assets | 32.8460% | 6,923 |
| Net loans and leases to deposits | 40.5532% | 6,853 |
| Net loans and leases to core deposits | 44.6620% | 6,789 |
| Total domestic deposits to total assets | 80.9949% | 5,448 |
| Equity capital to assets | 14.4495% | 913 |
| Core capital (leverage) ratio | 13.4820% | 971 |
| Tier 1 risk-based capital ratio | 30.8011% | 476 |
| Total risk-based capital ratio | 32.0486% | 466 |
| Memoranda: | ||
| Average total assets | $174,335,200 | 3,427 |
| Average earning assets | $162,113,800 | 3,365 |
| Average equity | $25,030,600 | 2,579 |
| Average total loans | $57,463,200 | 4,967 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 6,433 |
| Cost of funding earning assets | 1.6485% | 479 |
| Net interest margin | 2.4426% | 7,162 |
| Noninterest income to average assets | 0.1891% | 6,247 |
| Noninterest expense to average assets | 1.1878% | 7,344 |
| Loan and lease loss provision to assets | 0.2114% | 3,910 |
| Net operating income to assets | 0.8285% | 3,031 |
| Return on assets (ROA) | 0.8249% | 3,209 |
| Pretax return on assets | 1.0602% | 3,166 |
| Return on Equity (ROE) | 5.7550% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,995 |
| Net charge-offs to loans | 0.3559% | 3,311 |
| Credit loss provision to net charge-offs | 180.9211% | 1,639 |
| Earnings coverage of net charge-offs (x) | 10.9211% | 1,865 |
| Efficiency ratio | 48.2059% | 6,953 |
| Assets per employee ($millions) | 11.6827% | 159 |
| Cash dividends to net income (ytd only)* | 7.8287% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 3,296 |
| Loan loss allowance to noncurrent loans | 57.3678% | 4,583 |
| Noncurrent assets plus other real estate owned to assets | 1.8164% | 3,372 |
| Noncurrent loans to loans | 2.9530% | 2,358 |
| Net loans and leases to total assets | 33.7763% | 6,967 |
| Net loans and leases to deposits | 41.9829% | 6,912 |
| Net loans and leases to core deposits | 46.1510% | 6,842 |
| Total domestic deposits to total assets | 80.4526% | 5,609 |
| Equity capital to assets | 14.7408% | 918 |
| Core capital (leverage) ratio | 13.6766% | 986 |
| Tier 1 risk-based capital ratio | 29.7972% | 551 |
| Total risk-based capital ratio | 31.0481% | 540 |
| Memoranda: | ||
| Average total assets | $173,424,250 | 3,457 |
| Average earning assets | $161,516,000 | 3,394 |
| Average equity | $24,859,000 | 2,596 |
| Average total loans | $56,940,250 | 5,035 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 6,513 |
| Cost of funding earning assets | 1.6665% | 538 |
| Net interest margin | 2.4236% | 7,222 |
| Noninterest income to average assets | 0.1250% | 6,704 |
| Noninterest expense to average assets | 1.2325% | 7,416 |
| Loan and lease loss provision to assets | 0.2315% | 3,590 |
| Net operating income to assets | 0.7522% | 3,278 |
| Return on assets (ROA) | 0.7464% | 3,432 |
| Pretax return on assets | 0.8992% | 3,615 |
| Return on Equity (ROE) | 5.2579% | 4,330 |
| Retained earnings to average equity (ytd only) | 4.7932% | 3,132 |
| Net charge-offs to loans | 0.5336% | 2,498 |
| Credit loss provision to net charge-offs | 134.2282% | 2,275 |
| Earnings coverage of net charge-offs (x) | 6.5973% | 2,368 |
| Efficiency ratio | 52.0020% | 6,784 |
| Assets per employee ($millions) | 11.6767% | 158 |
| Cash dividends to net income (ytd only)* | 8.8372% | 3,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 3,309 |
| Loan loss allowance to noncurrent loans | 52.8134% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 1.9252% | 3,341 |
| Noncurrent loans to loans | 3.2291% | 2,218 |
| Net loans and leases to total assets | 31.1961% | 7,138 |
| Net loans and leases to deposits | 38.2982% | 7,110 |
| Net loans and leases to core deposits | 42.4646% | 7,058 |
| Total domestic deposits to total assets | 81.4559% | 5,370 |
| Equity capital to assets | 14.4156% | 967 |
| Core capital (leverage) ratio | 13.5129% | 989 |
| Tier 1 risk-based capital ratio | 32.1878% | 445 |
| Total risk-based capital ratio | 33.4389% | 437 |
| Memoranda: | ||
| Average total assets | $172,818,670 | 3,484 |
| Average earning assets | $160,092,670 | 3,442 |
| Average equity | $24,534,670 | 2,600 |
| Average total loans | $55,850,330 | 5,131 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 6,842 |
| Cost of funding earning assets | 1.6872% | 585 |
| Net interest margin | 2.1968% | 7,357 |
| Noninterest income to average assets | 0.2074% | 6,252 |
| Noninterest expense to average assets | 1.2001% | 7,487 |
| Loan and lease loss provision to assets | 0.2330% | 3,321 |
| Net operating income to assets | 0.6380% | 3,815 |
| Return on assets (ROA) | 0.6362% | 3,902 |
| Pretax return on assets | 0.8109% | 3,862 |
| Return on Equity (ROE) | 4.5166% | 4,644 |
| Retained earnings to average equity (ytd only) | 4.0534% | 3,729 |
| Net charge-offs to loans | 0.1572% | 3,543 |
| Credit loss provision to net charge-offs | 454.5455% | 771 |
| Earnings coverage of net charge-offs (x) | 20.4091% | 1,110 |
| Efficiency ratio | 53.4232% | 6,748 |
| Assets per employee ($millions) | 11.4779% | 172 |
| Cash dividends to net income (ytd only)* | 10.2564% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 3,185 |
| Loan loss allowance to noncurrent loans | 61.4997% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.9196% | 3,414 |
| Noncurrent loans to loans | 2.8411% | 2,658 |
| Net loans and leases to total assets | 31.8776% | 7,173 |
| Net loans and leases to deposits | 38.8638% | 7,139 |
| Net loans and leases to core deposits | 43.0489% | 7,072 |
| Total domestic deposits to total assets | 82.0240% | 5,308 |
| Equity capital to assets | 14.0380% | 1,000 |
| Core capital (leverage) ratio | 13.4547% | 982 |
| Tier 1 risk-based capital ratio | 29.5452% | 540 |
| Total risk-based capital ratio | 30.8077% | 531 |
| Memoranda: | ||
| Average total assets | $171,653,000 | 3,524 |
| Average earning assets | $159,321,000 | 3,481 |
| Average equity | $24,177,500 | 2,627 |
| Average total loans | $55,981,500 | 5,179 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 6,695 |
| Cost of funding earning assets | 2.0592% | 492 |
| Net interest margin | 2.2941% | 7,372 |
| Noninterest income to average assets | 0.1848% | 6,432 |
| Noninterest expense to average assets | 1.2179% | 7,544 |
| Loan and lease loss provision to assets | 0.5209% | 3,070 |
| Net operating income to assets | 0.4946% | 4,122 |
| Return on assets (ROA) | 0.4940% | 4,283 |
| Pretax return on assets | 0.5525% | 4,468 |
| Return on Equity (ROE) | 3.5325% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.3569% | 3,517 |
| Net charge-offs to loans | 2.9513% | 567 |
| Credit loss provision to net charge-offs | 50.5102% | 6,249 |
| Earnings coverage of net charge-offs (x) | 1.0414% | 5,069 |
| Efficiency ratio | 53.1378% | 6,880 |
| Assets per employee ($millions) | 11.4092% | 181 |
| Cash dividends to net income (ytd only)* | 4.9704% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6006% | 3,566 |
| Loan loss allowance to noncurrent loans | 45.4684% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 2.2228% | 3,065 |
| Noncurrent loans to loans | 3.5202% | 2,145 |
| Net loans and leases to total assets | 32.2582% | 7,281 |
| Net loans and leases to deposits | 39.4735% | 7,269 |
| Net loans and leases to core deposits | 42.1384% | 7,254 |
| Total domestic deposits to total assets | 81.7212% | 5,284 |
| Equity capital to assets | 14.1325% | 996 |
| Core capital (leverage) ratio | 13.2704% | 1,037 |
| Tier 1 risk-based capital ratio | 26.4657% | 713 |
| Total risk-based capital ratio | 27.5175% | 714 |
| Memoranda: | ||
| Average total assets | $171,039,000 | 3,517 |
| Average earning assets | $157,101,200 | 3,503 |
| Average equity | $23,920,800 | 2,665 |
| Average total loans | $59,770,800 | 5,080 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4583% | 6,696 |
| Cost of funding earning assets | 2.1301% | 482 |
| Net interest margin | 2.3282% | 7,472 |
| Noninterest income to average assets | 0.1637% | 6,695 |
| Noninterest expense to average assets | 1.0985% | 7,683 |
| Loan and lease loss provision to assets | 0.6237% | 2,437 |
| Net operating income to assets | 0.5537% | 4,079 |
| Return on assets (ROA) | 0.5567% | 4,230 |
| Pretax return on assets | 0.5801% | 4,662 |
| Return on Equity (ROE) | 3.9908% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.9125% | 3,716 |
| Net charge-offs to loans | 3.6404% | 363 |
| Credit loss provision to net charge-offs | 48.2800% | 5,911 |
| Earnings coverage of net charge-offs (x) | 0.9294% | 5,136 |
| Efficiency ratio | 47.7789% | 7,285 |
| Assets per employee ($millions) | 12.0986% | 165 |
| Cash dividends to net income (ytd only)* | 1.9612% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 3,623 |
| Loan loss allowance to noncurrent loans | 43.7111% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 3.0257% | 2,400 |
| Noncurrent loans to loans | 3.6097% | 2,166 |
| Net loans and leases to total assets | 33.6598% | 7,356 |
| Net loans and leases to deposits | 41.5147% | 7,320 |
| Net loans and leases to core deposits | 44.5341% | 7,300 |
| Total domestic deposits to total assets | 81.0792% | 5,333 |
| Equity capital to assets | 14.6918% | 969 |
| Core capital (leverage) ratio | 13.1730% | 1,165 |
| Tier 1 risk-based capital ratio | 25.5458% | 812 |
| Total risk-based capital ratio | 26.5839% | 816 |
| Memoranda: | ||
| Average total assets | $171,014,250 | 3,561 |
| Average earning assets | $156,856,250 | 3,554 |
| Average equity | $23,854,500 | 2,711 |
| Average total loans | $60,687,500 | 5,114 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 6,442 |
| Cost of funding earning assets | 2.1581% | 535 |
| Net interest margin | 2.4474% | 7,444 |
| Noninterest income to average assets | 0.2063% | 6,436 |
| Noninterest expense to average assets | 1.0480% | 7,765 |
| Loan and lease loss provision to assets | 0.8160% | 1,772 |
| Net operating income to assets | 0.5559% | 4,055 |
| Return on assets (ROA) | 0.5537% | 4,212 |
| Pretax return on assets | 0.5887% | 4,597 |
| Return on Equity (ROE) | 4.0407% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.9216% | 3,592 |
| Net charge-offs to loans | 3.6814% | 381 |
| Credit loss provision to net charge-offs | 61.7284% | 5,171 |
| Earnings coverage of net charge-offs (x) | 1.0644% | 4,726 |
| Efficiency ratio | 42.6876% | 7,564 |
| Assets per employee ($millions) | 12.2923% | 151 |
| Cash dividends to net income (ytd only)* | 2.9474% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1928% | 1,774 |
| Loan loss allowance to noncurrent loans | 50.5291% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 2.7567% | 2,627 |
| Noncurrent loans to loans | 4.3397% | 1,709 |
| Net loans and leases to total assets | 34.6530% | 7,398 |
| Net loans and leases to deposits | 42.5472% | 7,374 |
| Net loans and leases to core deposits | 46.1882% | 7,345 |
| Total domestic deposits to total assets | 81.4460% | 5,219 |
| Equity capital to assets | 13.9669% | 1,166 |
| Core capital (leverage) ratio | 12.9697% | 1,219 |
| Tier 1 risk-based capital ratio | 29.2217% | 557 |
| Total risk-based capital ratio | 30.4784% | 541 |
| Memoranda: | ||
| Average total assets | $171,559,000 | 3,577 |
| Average earning assets | $157,638,330 | 3,560 |
| Average equity | $23,511,000 | 2,743 |
| Average total loans | $61,607,670 | 5,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5669% | 6,645 |
| Cost of funding earning assets | 2.2299% | 540 |
| Net interest margin | 2.3370% | 7,570 |
| Noninterest income to average assets | 0.1821% | 6,651 |
| Noninterest expense to average assets | 1.0648% | 7,866 |
| Loan and lease loss provision to assets | 0.5838% | 2,167 |
| Net operating income to assets | 0.4985% | 4,393 |
| Return on assets (ROA) | 0.4951% | 4,551 |
| Pretax return on assets | 0.6702% | 4,336 |
| Return on Equity (ROE) | 3.6475% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.4067% | 4,116 |
| Net charge-offs to loans | 4.6572% | 271 |
| Credit loss provision to net charge-offs | 34.6741% | 4,746 |
| Earnings coverage of net charge-offs (x) | 0.7476% | 4,361 |
| Efficiency ratio | 45.8291% | 7,557 |
| Assets per employee ($millions) | 12.2176% | 165 |
| Cash dividends to net income (ytd only)* | 6.6038% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1330% | 1,884 |
| Loan loss allowance to noncurrent loans | 37.3563% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 3.8644% | 1,788 |
| Noncurrent loans to loans | 5.7100% | 1,189 |
| Net loans and leases to total assets | 34.8711% | 7,470 |
| Net loans and leases to deposits | 42.9909% | 7,429 |
| Net loans and leases to core deposits | 46.7394% | 7,404 |
| Total domestic deposits to total assets | 81.1128% | 5,417 |
| Equity capital to assets | 13.7453% | 1,228 |
| Core capital (leverage) ratio | 12.8371% | 1,278 |
| Tier 1 risk-based capital ratio | 27.8219% | 650 |
| Total risk-based capital ratio | 29.0770% | 638 |
| Memoranda: | ||
| Average total assets | $171,292,500 | 3,635 |
| Average earning assets | $156,956,500 | 3,630 |
| Average equity | $23,248,500 | 2,800 |
| Average total loans | $61,925,500 | 5,185 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 6,980 |
| Cost of funding earning assets | 2.6750% | 627 |
| Net interest margin | 2.1091% | 7,699 |
| Noninterest income to average assets | 0.1759% | 6,822 |
| Noninterest expense to average assets | 1.1578% | 7,921 |
| Loan and lease loss provision to assets | 0.5433% | 3,654 |
| Net operating income to assets | 0.3754% | 4,230 |
| Return on assets (ROA) | 0.4340% | 4,107 |
| Pretax return on assets | 0.5126% | 4,149 |
| Return on Equity (ROE) | 3.3762% | 4,346 |
| Retained earnings to average equity (ytd only) | 3.1196% | 2,978 |
| Net charge-offs to loans | 0.4357% | 4,060 |
| Credit loss provision to net charge-offs | 327.1777% | 998 |
| Earnings coverage of net charge-offs (x) | 5.9443% | 2,463 |
| Efficiency ratio | 53.9790% | 7,231 |
| Assets per employee ($millions) | 12.2527% | 162 |
| Cash dividends to net income (ytd only)* | 7.6000% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8154% | 917 |
| Loan loss allowance to noncurrent loans | 40.3050% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 4.0189% | 1,639 |
| Noncurrent loans to loans | 6.9851% | 801 |
| Net loans and leases to total assets | 35.6388% | 7,537 |
| Net loans and leases to deposits | 44.0952% | 7,512 |
| Net loans and leases to core deposits | 59.5407% | 7,284 |
| Total domestic deposits to total assets | 80.8223% | 5,399 |
| Equity capital to assets | 13.3999% | 1,363 |
| Core capital (leverage) ratio | 12.6493% | 1,376 |
| Tier 1 risk-based capital ratio | 24.8719% | 855 |
| Total risk-based capital ratio | 26.1320% | 832 |
| Memoranda: | ||
| Average total assets | $172,830,400 | 3,559 |
| Average earning assets | $161,348,200 | 3,492 |
| Average equity | $22,214,200 | 2,922 |
| Average total loans | $65,872,400 | 5,025 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8592% | 6,990 |
| Cost of funding earning assets | 2.7703% | 647 |
| Net interest margin | 2.0888% | 7,776 |
| Noninterest income to average assets | 0.1563% | 7,072 |
| Noninterest expense to average assets | 1.1296% | 8,005 |
| Loan and lease loss provision to assets | 0.5228% | 3,294 |
| Net operating income to assets | 0.3262% | 4,697 |
| Return on assets (ROA) | 0.3380% | 4,745 |
| Pretax return on assets | 0.4797% | 4,580 |
| Return on Equity (ROE) | 2.6580% | 4,933 |
| Retained earnings to average equity (ytd only) | 2.4037% | 3,976 |
| Net charge-offs to loans | 0.5544% | 3,019 |
| Credit loss provision to net charge-offs | 245.1264% | 1,772 |
| Earnings coverage of net charge-offs (x) | 4.6210% | 3,071 |
| Efficiency ratio | 53.4037% | 7,298 |
| Assets per employee ($millions) | 12.3574% | 166 |
| Cash dividends to net income (ytd only)* | 9.5674% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 1,232 |
| Loan loss allowance to noncurrent loans | 38.6433% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 3.7739% | 1,716 |
| Noncurrent loans to loans | 6.0872% | 963 |
| Net loans and leases to total assets | 36.4959% | 7,602 |
| Net loans and leases to deposits | 45.1138% | 7,594 |
| Net loans and leases to core deposits | 60.5185% | 7,383 |
| Total domestic deposits to total assets | 80.8974% | 5,121 |
| Equity capital to assets | 13.2477% | 1,599 |
| Core capital (leverage) ratio | 12.3586% | 1,638 |
| Tier 1 risk-based capital ratio | 24.0592% | 994 |
| Total risk-based capital ratio | 25.3252% | 970 |
| Memoranda: | ||
| Average total assets | $173,153,500 | 3,573 |
| Average earning assets | $162,382,750 | 3,505 |
| Average equity | $22,021,250 | 2,970 |
| Average total loans | $66,614,250 | 5,036 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 7,050 |
| Cost of funding earning assets | 2.8473% | 697 |
| Net interest margin | 2.0437% | 7,836 |
| Noninterest income to average assets | 0.1293% | 7,313 |
| Noninterest expense to average assets | 1.1016% | 8,106 |
| Loan and lease loss provision to assets | 0.1524% | 5,550 |
| Net operating income to assets | 0.5639% | 3,831 |
| Return on assets (ROA) | 0.5820% | 3,869 |
| Pretax return on assets | 0.8245% | 3,588 |
| Return on Equity (ROE) | 4.6405% | 4,237 |
| Retained earnings to average equity (ytd only) | 4.3827% | 2,861 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6558% | 7,367 |
| Assets per employee ($millions) | 12.4894% | 146 |
| Cash dividends to net income (ytd only)* | 5.5556% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8758% | 1,852 |
| Loan loss allowance to noncurrent loans | 27.7630% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 2.6474% | 2,424 |
| Noncurrent loans to loans | 6.7563% | 753 |
| Net loans and leases to total assets | 37.4271% | 7,659 |
| Net loans and leases to deposits | 45.9920% | 7,635 |
| Net loans and leases to core deposits | 62.3251% | 7,369 |
| Total domestic deposits to total assets | 81.3774% | 4,933 |
| Equity capital to assets | 12.8383% | 1,772 |
| Core capital (leverage) ratio | 12.3810% | 1,660 |
| Tier 1 risk-based capital ratio | 23.8357% | 1,055 |
| Total risk-based capital ratio | 25.0876% | 1,032 |
| Memoranda: | ||
| Average total assets | $173,203,670 | 3,583 |
| Average earning assets | $163,033,670 | 3,507 |
| Average equity | $21,722,000 | 3,007 |
| Average total loans | $67,265,670 | 5,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 6,922 |
| Cost of funding earning assets | 2.9417% | 696 |
| Net interest margin | 2.0614% | 7,868 |
| Noninterest income to average assets | 0.1717% | 7,076 |
| Noninterest expense to average assets | 1.0790% | 8,154 |
| Loan and lease loss provision to assets | 0.1532% | 4,970 |
| Net operating income to assets | 0.5924% | 4,047 |
| Return on assets (ROA) | 0.6126% | 4,155 |
| Pretax return on assets | 0.9096% | 3,681 |
| Return on Equity (ROE) | 4.9441% | 4,492 |
| Retained earnings to average equity (ytd only) | 4.6819% | 3,317 |
| Net charge-offs to loans | -0.0770% | 7,818 |
| Credit loss provision to net charge-offs | -507.6923% | 6,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0989% | 7,502 |
| Assets per employee ($millions) | 12.2424% | 163 |
| Cash dividends to net income (ytd only)* | 5.3030% | 2,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 1,920 |
| Loan loss allowance to noncurrent loans | 28.7981% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 2.5310% | 2,267 |
| Noncurrent loans to loans | 6.1590% | 759 |
| Net loans and leases to total assets | 38.7091% | 7,630 |
| Net loans and leases to deposits | 47.3673% | 7,610 |
| Net loans and leases to core deposits | 64.2224% | 7,308 |
| Total domestic deposits to total assets | 81.7211% | 4,669 |
| Equity capital to assets | 12.7542% | 1,856 |
| Core capital (leverage) ratio | 12.4804% | 1,694 |
| Tier 1 risk-based capital ratio | 23.5601% | 1,130 |
| Total risk-based capital ratio | 24.8116% | 1,110 |
| Memoranda: | ||
| Average total assets | $172,379,500 | 3,615 |
| Average earning assets | $162,220,000 | 3,536 |
| Average equity | $21,359,000 | 3,065 |
| Average total loans | $67,552,000 | 5,070 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1384% | 7,737 |
| Cost of funding earning assets | 3.3888% | 726 |
| Net interest margin | 1.7496% | 8,141 |
| Noninterest income to average assets | 0.2228% | 6,850 |
| Noninterest expense to average assets | 0.9843% | 8,209 |
| Loan and lease loss provision to assets | 0.0642% | 6,596 |
| Net operating income to assets | 0.8875% | 3,051 |
| Return on assets (ROA) | 0.3321% | 5,254 |
| Pretax return on assets | 0.2566% | 5,614 |
| Return on Equity (ROE) | 2.5324% | 5,406 |
| Retained earnings to average equity (ytd only) | -24.1329% | 7,788 |
| Net charge-offs to loans | 0.0659% | 5,832 |
| Credit loss provision to net charge-offs | 234.7826% | 2,023 |
| Earnings coverage of net charge-offs (x) | 32.0652% | 1,118 |
| Efficiency ratio | 52.9055% | 7,395 |
| Assets per employee ($millions) | 12.3832% | 153 |
| Cash dividends to net income (ytd only)* | 1,052.9517% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6563% | 2,038 |
| Loan loss allowance to noncurrent loans | 25.6123% | 6,965 |
| Noncurrent assets plus other real estate owned to assets | 2.6309% | 1,814 |
| Noncurrent loans to loans | 6.4667% | 494 |
| Net loans and leases to total assets | 38.3249% | 7,755 |
| Net loans and leases to deposits | 46.7615% | 7,762 |
| Net loans and leases to core deposits | 61.8508% | 7,513 |
| Total domestic deposits to total assets | 81.9583% | 4,222 |
| Equity capital to assets | 12.0313% | 2,271 |
| Core capital (leverage) ratio | 12.1909% | 1,884 |
| Tier 1 risk-based capital ratio | 22.6014% | 1,238 |
| Total risk-based capital ratio | 23.8002% | 1,220 |
| Memoranda: | ||
| Average total assets | $168,338,400 | 3,577 |
| Average earning assets | $157,578,600 | 3,513 |
| Average equity | $22,073,600 | 2,964 |
| Average total loans | $69,832,800 | 4,876 |